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Handyman Insurance

Business insurance that works when you do.

Get an hourly, daily, or monthly insurance policy in 60 seconds.

Handyman Insurance, simplified.

Why do I need a Handyman Insurance policy?

As a handyman, you know that things can go wrong. Things break, something stops working, and accidents happen.
That’s why your clients need you. When something goes wrong, they call you.

But who do you call when something goes wrong for you? You could be repairing a light fixture for an art gallery, and your ladder falls over and smashes an expensive painting. Or, you’re fixing a jammed door in your client’s home, and their child runs by just as you open the door, knocking out one of their teeth.

When an accident like this happens, you need someone you can call. For smart business owners, it’s their business insurance provider. Accidents can happen to any small business. But, due to the nature of their work, handyman businesses are particularly susceptible to these types of accidents.

The costs associated with these accidents can financially devastate your handyman business, let alone your business reputation. That’s why you need a trusted General Liability insurance policy to protect you, whether you primarily work with private residents, commercial businesses, or both.

General Liability insurance for handyman businesses provides coverage for the financial and legal liabilities associated with accidents that result in bodily injury or property damage. With the right handyman insurance coverage, you don’t have to personally bear the legal and medical costs. Instead, you can continue operating and growing your handyman business.


How much does Handyman Insurance cost?

The cost of your Handyman Insurance Policy depends on a few factors. Things like your zip code, your coverage limit, the size of your team, and the length of your coverage all play a factor in determining the risk that comes with insuring your handyman business.

With Thimble, you don’t have to commit to long, expensive policies, though. You can access flexible handyman insurance through the Thimble app and customize your coverage down to the month, day, or hour. Plus, if you need to add Additional Insureds, you can tack them on to your coverage with Thimble at no extra cost.

To get an accurate idea of how much handyman insurance would cost you and your business, get a quote from Thimble.

Get a Quote


What is covered under the Handyman Liability Insurance Policy?

The General Liability handyman insurance arranged by Thimble is designed to protect handymen from liability in situations like the following:

Bodily Injury
You’re working an all-day job at a client’s home. When you leave for your lunch break, you leave your toolbelt on the floor. The client’s toddler is running through the house, trips on your toolbelt, and falls and breaks some of their teeth. Your client expects you to pay for the ER visit and dental repair.

3rd Party Property Damage
You’re repairing a ceiling-mounted light fixture in a client’s living room. When you move your ladder across the room, you lose your footing and the ladder falls over, hitting and shattering a very expensive chandelier in the process. The client wants reimbursement.

Defense Costs
One of your clients is working with several contractors on an extensive home remodel. One of the contractors causes severe property damage, and your client brings a lawsuit against you and all the other contractors in their attempt to seek damages. You need to hire a lawyer to defend against these claims.

Medical Coverage
After repairing some damage to shelves in your client’s garage, you neglect to pick up all of the nails and debris. Your client later steps on this nail, and sues you to cover their medical costs.


How quickly can I get a Certificate of Insurance?

Within 60 seconds – seriously. We’ve taken the traditional insurance process and upgraded it for the 21st century. You can get your handyman insurance quote instantly. Once you purchase your policy, you’ll receive your Certificate of Insurance in your inbox. Download your copy to share with clients, and access it anytime from the Thimble App.

You can also add and modify your Additional Insureds as many times as you’d like, whenever you’d like, from the Thimble App.

You can access your Certificate of Insurance immediately after purchasing your policy, even if your policy covers a time period sometime in the future. That means you can use your Certificate of Insurance during the bidding process with larger clients, enabling you to win higher-paying jobs and grow your handyman business.


What are the Handyman Insurance policy limits?

Thimble offers policy limits of $1 million or $2 million. You can select the appropriate one based on the needs of your handyman business and the level of risk you would like to be insured against.


Are workplace injuries of my crew covered?

No, General Liability policies only provide coverage for injuries to third parties, like your handyman clients. If you have employees or other handymen working for you, you can purchase coverage for accidental injury to them under a worker’s compensation policy.


Does Thimble’s Handyman Insurance cover damage to my equipment?

No, General Liability insurance for handyman businesses only provides coverage for damage to property owned by third-parties, like your handyman clients. You can purchase a separate property or commercial auto insurance policy if you would like to insure your work vehicles and other equipment.


How do I get Handyman Insurance with Thimble?

Signing up for business insurance with Thimble is easy. Tell us your zip code, desired coverage period (an hour, day, month, or more), and we’ll provide you with an instant quote, customized to serve the needs of your handyman business. The whole process can be completed online within minutes. Get your handyman insurance quote now.

Have questions? Visit our FAQ

Handymen + Contractor insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.

  • Bodily Injury
  • Property Damage
  • Legal Defense
  • Medical Payments

Covered Activities

  • AV Installation
  • Alarm Systems Installation & Repair
  • Carpentry
  • Carpentry - Interior
  • Carpet Cleaners
  • Closet Installation
  • Contractors
  • Debris Removal
  • Deck Building
  • Electrical
  • Fence Building
  • Finish Carpentry
  • Finishing Contractors
  • Flooring
  • Furniture Assembly (No Cribs or Bunk Beds)
  • Furniture Installation - Office
  • Furniture Refinishing
  • Glaziers
  • Gutter Cleaning
  • Handypersons
  • Interior Painting
  • Invisible Fence Installation
  • Locksmiths
  • Masonry
  • Millwork
  • Office Machine Installation and Repair
  • Painting & Siding
  • Piano Tuning
  • Seal Coating
  • Siding
  • Small Contractors including Finishing Contractors
  • Smart Home Installation
  • Surveillance System Installation & Maintenance
  • Surveyors
  • Swimming Pool Servicing (no construction)
  • Tiling
  • Upholstering
  • Wallpapering
  • Walls
  • Window Cleaning
  • Window Decorating

Optional Add-Ons

  • Appliance Installation
  • Chimney Cleaning
  • Concrete Construction
  • Exterior Painting
  • Floor Waxing
  • HVAC
  • Plastering
  • Plumbing (other than a leaky faucet or toilet)
  • Snow / Ice Removal
  • Sign Installation

Excluded Activities

  • Alarm System Monitoring
  • Assembly of Cribs or Bunk Beds
  • Fire or Water Mitigation or Restoration
  • Foundation Work or Repair
  • Grading or Excavating
  • Installation Servicing or Repair
  • Machinery or Equipment Repair (Other Than Office Machines and Household Appliances)
  • Performing Work over Three Stories in Height (30 feet)
  • Performing work for the oil and gas industry
  • Pool Construction
  • Roadside Assistance
  • Roofing Work or Repair
  • Street, Road and Highway Work
  • Those Specializing in Garage Door Installation, Servicing or Repair
  • Traffic Control
  • Welding
  • Work on 10 or More New Homes or New Residential Units in Any One Project or Development

What's Not Covered by Your Policy

  • Activities Involving Firearms
  • Performing Work over Three Stories in Height (30 feet)
  • Work on 10 or More New Homes or New Residential Units in Any One Project or Development
  • See full policy for details

With Thimble, get a policy in seconds so you can take on whatever’s next.

Policies start at just
$5
Thimble Insurance customer Reis Taylor on roof for contractors and handyman insurance
"With an annual policy, you have to pay upfront, which can be difficult for a small business like mine. What distinguished Thimble was the hourly rate."
Reis T, Thimble Customer

We make business
insurance simple.

Flexible Coverage

Buy Thimble On Demand by the hour, day, or week, or get Thimble Monthly to keep the clock running.

Instant Certificates

Get an Acord 25 Certificate of Insurance in your inbox (and your client's) in less than 60 seconds.
  • New Crew Member
  • Policy Extended
  • Additional Insured

Full Control

Add crew and Additional Insureds instantly. Cancel or modify your policy, anytime, for free.

The information provided is intended to be a description of coverages only. There is not guarantee of coverage. If there is a conflict between the description contained herein and the insurance policy contract, the terms of the policy shall control.

Coronavirus and your business

We know your small business has likely been impacted, so we've put together some resources that we think may be useful.