Handyman insurance,
in plain English
One-person shop or a small crew — liability, tools, and the certificate your clients ask for, without learning insurance-speak.
Two minutes, and a licensed agent follows up once we can place coverage in your state.
How we get you covered
The things that actually go wrong on handyman jobs, and the coverage that answers for each one.
Covered vs. not covered — before you pay
Covered
- Damage you cause to a client's property
- A client or visitor injured by your work
- Work that fails after you've finished the job
Not covered — read this first
- Your own tools (that's tools & equipment coverage)
- Jobs above two stories without an add-on
- Intentional or shoddy-on-purpose work
The coverages handymen usually stack
What drives your price
We don't publish a "from $X a month" number, because for handymen it would be close to meaningless — the same work prices very differently depending on classification, payroll, claims history, and state. Get a real quote instead; it takes about two minutes and no one calls you.
State rules for handymen
Licensing and minimum limits differ by state. Pick yours:
FloridaWhy handymen switch to Flannable
Others reveal the fine print at checkout — or add it after you buy. Ours is on this page, above.
If your renewal jumps, we re-shop it across carriers automatically and show you the math — we're an independent agency, not a captive one.
Self-serve certificates, and renewal certs re-sent to every holder before they expire — so an expired COI never costs you a job. That's what we're building first.
Frequently asked questions
Do handymen legally need insurance?
Usually no state law requires it, but most property managers, HOAs, and commercial clients demand a certificate of insurance before you set foot on site. In practice, no insurance means no bigger jobs.
What drives the price of handyman insurance?
Your trade classification first, then payroll, claims history, and state. The same handyman work can price very differently depending on which tasks you declare — roofing or electrical work moves you into a costlier class, so classify honestly and get the real number from a quote rather than a published average.
Does handyman insurance cover my tools?
Not by default. General liability covers damage you do to others. Your own tools need tools & equipment coverage (inland marine, in insurance-speak).