Protect Your Business with Contractors Insurance and Bonds

• Covers third-party bodily injury and property damage caused by your work.
• Examples:
  • You accidentally break a client’s window while repairing a door.
  • A client trips over your tools and gets injured.
• Also covers legal fees if a client sues you for damages.

• Pays for medical expenses and lost wages if an employee gets injured on the job.
• Covers injuries from falls, power tool accidents, or lifting heavy objects.
• Required in most states if you hire workers.

• Covers vehicles used for business purposes, such as a work truck or van.
• Includes:
  • Liability for accidents.
  • Coverage for damage, theft, or vandalism.
  • May cover tools and materials stored in the vehicle.

• Protects tools and equipment from theft, damage, or loss.
• Covers hand tools, power tools, ladders, saws, and other essential gear.
• Can include replacement costs if tools are stolen from a job site or vehicle.

• A bundled policy that includes:
  • General liability (injury/property damage protection).
  • Commercial property (if you have an office, storage space, or workshop).
  • Business interruption insurance (covers lost income if your business is temporarily shut down due to a covered event).
• Ideal for small handyman businesses that own property or equipment.

• Covers mistakes or unsatisfactory work that causes financial losses for a client.
• Examples:
  • A repair you made leads to water damage or structural issues.
  • A client claims you didn’t complete a project as agreed.

• Some states or clients require handyman bonds to obtain permits or contracts.
• Guarantees that you will complete the job as agreed.
• Protects customers from financial loss if you fail to meet contractual obligations.

• Accidents Happen: Even small repair jobs can lead to property damage or injuries.
• State & Client Requirements: Some states require licensing and insurance, and many clients won’t hire an uninsured handyman.
• Legal & Financial Protection: Covers medical bills, property damage, lawsuits, and tool replacement.
• Builds Customer Trust: Having insurance can make you more competitive and professional.

Would you like help finding affordable policies tailored to your handyman business?