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Handyman insurance is a specialized commercial insurance that’s crafted to meet the needs of professionals who provide basic repair and maintenance services. So that policies can provide robust protections, most handyman policies are underwritten as package policies that combine several coverage’s together.
Handyman policies are generally well-suited to meet the insurance needs of professionals who provide basic repair and maintenance services
  • General Liability Coverage
  • Commercial Umbrella Coverage
  • Business Property Coverage

What is Handyman Insurance?

Working as a handyman (or handywoman) comes with certain inherent risks, including potential property and liability risks. Handyman insurance can help Massachusetts professionals who provide basic repair and maintenance services shield themselves from many of the risks they face.

Handyman insurance is a specialized commercial insurance that’s crafted to meet the needs of professionals who provide basic repair and maintenance services. So that policies can provide robust protections, most handyman policies are underwritten as package policies that combine several coverages together.

What Massachusetts Professionals Should Have Handyman Coverage?

Handyman policies are generally well-suited to meet the insurance needs of professionals who provide basic repair and maintenance services, and most Massachusetts professionals in this line of work should carry a policy. Not having insurance can leave a professional exposed to potentially significant risks, and even a self-employed handyman who does minor jobs can still have a major claim.

While this coverage is broadly useful to basic repair and maintenance service professionals, professionals who are in more specialized trades may find that handyman policies don’t meet all of their needs. Plumbers, electricians, masons and others in the skilled trades usually will find more suitable coverage through a specialized policy that’s designed for their particular work.

Anyone who’s unsure whether a handyman policy or other insurance policy better meets their needs should speak with a knowledgeable insurance agent. An agent who specializes in these policies will be able to guide professionals toward the policy type that's best for them.

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  • When I called the staff at Paul T. Murphy Insurance, they explained how auto reform would allow me to increase coverage and save money at the same time. I moved my home and umbrella insurance to my current auto carrier and saved over $350. In July 2008 when my auto insurance renews with Safety Insurance, I will save another $300 just for having my auto and home insurance with the same company. The staff at Paul T Murphy Insurance Agency really understands the new Massachusetts reform and how to pass savings and additional coverage to their clients.

    Frank

    Winchester, MA

  • After many years of doing business with the Paul T. Murphy Insurance Agency, I am thrilled to learn of this relationship with Northrup to service the Lynnfield area. I have trusted both my personal and business policies with Paul and have never received less than the best of service. I like the face that they service as professionals but treat you like a friend. Recently during a complicated Workers Comp claim, Paul showed up to walk me through what I thought would be a mess of paperwork and confusion – the personalized service I receive spoke volumes. I have never gotten service like that from anyone else. I also like the fact that they are always ready to save me money without ever compromising my coverage.

    Tony Bartolo

    Lynnfield, MA

  • One of the best business and personal decisions I ever made was to collaborate with Paul Murphy Insurance Company for our families insurance needs. Starting with our business policies, then eventually all of our personal policies, we have slowly transitioned all to be managed by PMI. Many companies loosely tout that they treat you as one of the family; PMI proves it in their actions. We are glad we are part of their family.

    Kelly Ilebode

    Boston, MA

Handyman Insurance  Massachusetts

Do Handymen Receive Coverage From Their Employer?

Whether handymen receive any insurance coverage from their employer normally depends on their employment status and their employer’s policy.

Professionals who are actual employees often have some coverage from their employer, but coverage may be lacking or insufficient in some cases. These professionals should review their employer’s policy with an insurance agent to see whether a supplemental policy is appropriate.

Professionals who work as independent contractors or subcontractors are usually less likely to receive coverage from an employer. While hiring contractors might provide coverage in select cases, this typically isn’t a standard practice. Many professionals who are independent contractors will want to purchase a self-employed handyman insurance policy to protect themselves. 

Professionals can sometimes see whether they’re employees or independent contractors by checking their end-of-year tax documents. Employees typically receive a W-2, while contractors generally get a 1099.

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What Coverages Do Self-Employed Handyman Policies Make Available?

Professionals who get their own self-employed handyman insurance coverage normally have multiple individual coverages to choose from. Some coverages that handyman may want are:

  • General Liability Coverage, which might cover basic accidents that result in injuries to others or property damage to others’ property
  • Commercial Umbrella Coverage, which might cover especially expensive lawsuits with a supplemental layer of liability protection
  • Business Property Coverage, which might cover facilities, equipment, tools and supplies that a handyman owns
  • Commercial Vehicle Coverage, which might business-owned or personal vehicles that are driven for work
  • Crime or Theft Coverage, which might cover business-owned vehicles, equipment, supplies or inventory against theft
  • Inland Marine Coverage, which might cover equipment, supplies or inventory as they’re driven between locations
  • Business Interruption Coverage, which might cover sustained revenue losses that are caused by certain disasters

Coverage options can differ from one policy to the next, so it’s important to compare different policies when searching for the right combination of coverages. An independent insurance agent can help compare policy options from various insurance companies.

Handyman Insurance  Massachusetts

How Much Are Self-Employed Handyman Insurance Premiums?

Premiums for self-employed handyman insurance are based on a number of factors. Items like the following may impact premiums:

  • The location of a business
  • The service area of a business
  • The equipment that a business uses
  • The services that a business offers
  • The limits and deductibles chosen for a policy

Even with variance among premiums, however, most self-employed handyman policies are quite affordable. 

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How Can Professionals in Massachusetts Get Handyman Insurance?

If you need handyman insurance in Massachusetts, contact the independent insurance agents at Paul T. Murphy Insurance for assistance. We’ve worked with many professionals in the state, and we’ll work with you to find a self-employed handyman insurance policy that’s well-suited for your situation.

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