Whether you’re handling small repairs, home improvements, or larger renovation projects, you put your time, skill, and hard work into every job. With handyman insurance from Berxi, you can protect your business, your finances, and your tools — with coverage that fits the way you work.
Handyman insurance (also called handyman business insurance) is designed to protect repair and maintenance professionals from the everyday risks of the job. It typically includes:
If a client or visitor is injured at your job site or you accidentally damage someone’s property, handyman insurance can cover the costs and protect you legally. And if your tools are damaged, optional business personal property coverage can help pay to replace them.
Yes, most handymen and maintenance professionals can benefit from insurance. If you accidentally damage a client’s property or cause an injury — such as someone tripping over your equipment — your handyman insurance can help cover repair costs, medical bills, and even legal fees and settlements in the event of a lawsuit.
In many cases, insurance may also be required to do business. You may need coverage if:
Even small jobs can lead to unexpected claims, which is why handyman insurance coverage can be valuable whether you’re working full-time or just taking on occasional side projects.
Berxi’s customized handyman insurance is designed to protect you from the real-world risks you face on the job — from third-party bodily injuries and property damage to damaged tools and equipment.
General liability insurance helps cover claims of third-party bodily injury and property damage related to your work as a handyman. It also covers personal and advertising injury, including things like libel, slander, and copyright infringement in your advertising.
Examples include:
You can also add optional business personal property (BPP) coverage to your Berxi general liability policy to help protect your tools and equipment in case they’re damaged.
Examples include:
Berxi’s policies are built with handymen and small maintenance businesses in mind. Key benefits include:
If a customer or visitor is injured at a job site or your place of business — for instance, by slipping and falling — your general liability policy can help cover their medical bills.
If you or your employees accidentally damage someone else’s property, general liability insurance can help pay to repair or replace it.
Personal and advertising injury coverage protects against legal issues stemming from things you write or say, including your marketing activities. It safeguards you from claims of reputational harm, such as libel and slander, as well as privacy invasion and copyright infringement in your advertising.
If your business is sued for a general liability claim (like bodily injury, property damage, personal injury, or advertising injury), your policy can pay for a lawyer to defend you and cover any damages and settlement costs.
With a general liability policy from Berxi, everyone employed by your business is covered, not just you. That means your business will be protected from general liability claims resulting from employee actions: if an employee accidentally damages someone’s property, your Berxi policy can help cover the costs.
If a customer sues your business for alleged property damage due to your completed work, or a customer sues for an alleged injury due to a product you sold, products-completed operations coverage can help protect you.
You can choose to add business personal property (BPP) coverage to your general liability policy as an optional endorsement, which can help pay for damage or loss of your tools, equipment, computers, furnishings, and other business assets. (Note that BPP generally doesn’t apply to normal wear and tear.)
In addition, you can add workers’ compensation and cyber liability coverage from one of our trusted partners to your Berxi general liability insurance policy by speaking with our in-house customer support team.
Also known as professional liability insurance, errors and omissions (E&O) insurance protects handymen against claims that a mistake or negligence in their services led to a financial loss for a client. E&O insurance coverage includes things like missed deadlines, breaches of contract, errors in your work, and more. Learn more about errors and omissions insurance.
If you regularly drive to job sites or other locations with your equipment and tools, your personal auto policy may not cover you in an accident while using your vehicle for business. A commercial auto policy can help protect you from out-of-pocket costs for injuries, vehicle damage, and liability if something goes wrong on the road.
Workers’ comp insurance is required by law in almost all states if you have employees. It covers medical care and lost wages if employees are injured on the job. You can add workers’ comp coverage from one of our trusted partners to your Berxi general liability policy.
Berxi’s general liability insurance for handymen starts at just $350/year.
Your annual premium will depend on a few different factors, including:
Because we have no hidden costs or interest fees, maintenance and repair professionals who choose Berxi save an average of 15% vs. other insurance companies. The fastest way to find out how much you might pay for handyman liability insurance is to get a quote.
With a financial strength rating of A++ from AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, people who choose Berxi save an average of 15% vs. industry standards.
You can visit our website to get a quote, buy a policy, add additional insureds, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real human being from our in-house product specialist team who will work hard to answer all of your questions.
Getting covered is fast and straightforward:
Step 1: Using our easy online quote process, just answer a few quick questions about your work, including where you work, your business details, and your coverage needs. Get a quote today.
Step 2: While quoting, you’ll have the option to add business personal property (BPP) insurance coverage to your policy, which helps repair or replace your tools and equipment if they’re damaged.
Step 3: Get an instant, personalized quote with clear pricing.
Step 4: Purchase coverage online in minutes.
Step 5: Access your policy 24/7 to manage certificates, add additional insureds, or file claims — right from your phone or computer.
“Completely stress-free setup and customized to my needs. So easy I didn’t even need to talk to anyone!”
— Che H.
“Berxi was recommended to me by a friend at another company. The quoting process was easy, and the price is better than anywhere I’ve found!”
— Jeremy B.
“Berxi was considerably less expensive than my previous brick and mortar agent, and much more accessible. I wish I would have made the switch earlier.”
— Edward E.
Yes, even occasional or side jobs come with risks. Handyman business insurance can help protect you from unexpected accidents, property damage, and liability claims. A single accident or claim could be costly, which is why many part-time handymen choose to carry coverage. And in many cases, clients or property managers may require proof of insurance.
Not always by default, but with Berxi, you can add affordable business personal property coverage to your general liability policy to protect your tools. This coverage can help pay to repair or replace equipment that’s damaged.
Handyman liability insurance can help cover the cost of repairing or replacing damaged property, along with related legal expenses. This protection can be especially important when working with high-value items or finishes.
No, you don’t need a license to get handyman insurance.
General liability insurance doesn’t cover employee injuries or intentional damage. It also doesn’t cover claims of errors in your work or breaches in contract that cost a client money; those claims are covered by errors and omissions insurance. You may need additional policies or endorsements for more complete protection, depending on your work.
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