Complete Our Handyman Insurance Quote Form
An unlicensed contractor engaged in minor home repairs, home maintenance projects, and simple installations is called a “handyman” or a “handyperson,” it is best to have handyman insurance in Minnesota. No license or permit is needed to perform odd jobs like light carpentry, lock changes, plastering, drywall work, tile, flooring, or painting. A handyman is never involved in highly skilled work—specialties like air conditioning, roofing, or installation of furnaces. But accidents can happen, and that’s why you need handyman insurance.
Sometimes, someone or the other needs to fall back on a handyperson for the services he offers. As a handyman, you fulfill the needs of your community or neighborhood. Have you arranged protection for yourself, your assets, and your business against litigation and loss that may arise from something untoward while you are engaged in a project?
If not, we suggest that you get in touch with our insurance specialists at 952-222-8073. Yes, we are in Minnesota! Let us help to locate the areas of vulnerability of your business and obtain policies to address them, so you stay protected. As a handyman, you carry out various jobs and must ensure that what you do is covered by insurance.
As mentioned above, your work as a handyman may involve carpentry, tile installation, flooring, plumbing, lock changes, drywall, painting, or home maintenance. Projects of short duration define handyperson insurance. Whatever your nature of work, you need handyman insurance in MN curated to address the risks you face while working each day. Let us design your insurance program to protect you from the risks you face in various jobs. The insurance policy you buy must protect you from the risks you face. Losses suffered from litigation can ruin your business. Be sure to have the right plan in place. We can help you with this.
The Risks You Face as a Handyperson
While the jobs you perform dictate the risks involved, some of them are still typical such as:
- Any loss suffered because of claims against personal injury or property damage caused by someone working for you or yourself while working
- Equipment used for working can be damaged, lost, or stolen during the job at the job site, in transit to a job site, or at your business place
- Claims made against any damage caused by you or an employee while traveling in a company or personal vehicle. It’ll include damage caused to the auto, any injury suffered by your employees, and any damage caused or injury sustained by third parties
What Help Does Handyman Insurance Offer?
As a handyman in Minnesota, you must consider a whole package of insurance products for comprehensive protection for yourself and your assets from financial liabilities arising from claims. The most among them are probably the Business Owner Policy or BOP, and a BOP is for businesses with less than 100 workers and annual revenues below $5 million. A BOP has many coverages a standard general liability policy does not.
Often required on a BOP is business personal property coverage. Business personal property insurance is coverage that most businesses need.
You can also add property insurance for buildings to this type of insurance policy, which helps create an excellent neat coverage package.
While a property loss triggers business income insurance, it is one of the significant differences between a BOP and a general liability insurance policy.
A BOP provides only general coverage, and there is a need for additional addendums or riders to a policy that covers the full scope of your business activities. You may obtain these policies as standalone coverage along with BOP or general liability insurance.
Who Should Get Handyman Insurance?
We recommend that all handymen have at least general liability to help protect you from bodily injury and property damage claims. Without insurance, you put your business at risk. Do you want to keep the company you worked so hard to build?
Do You Need a License to be a Handyman in Minnesota?
Minnesota does not have a specific license for handyman services. Some businesses and types of work needing licensing in Minnesota are plumbing contractors, mechanical contractors, electrical contractors, and high-pressure piping contractors. Then, depending on your work and if you need to pull permits, residential contractors, remodelers, and roofers.
We at Contractors Policy, located in Lakeville, MN, specialize in handyman insurance and have an exclusive insurance program. Let us answer your questions and give you informative answers. We are not your average insurance agents.
Don’t wait any longer; other contractors have already saved $100’s and even $1,000’s. Save big money on your Minnesota handyman insurance!
- Our policies start as low as $50 per month!
- New handyman ventures, ok!
- Monthly payment options and an easy down payment!
- We can also insure your vehicles and workers’ compensation
- Super fast phone and online quotes – Call us now!
We have been helping Minnesota contractors for decades. Let us quote your Minnesota handyman insurance coverage today.
Not only do we have Minnesota’s lowest contractor liability rates for contractor general liability insurance, but we also offer our low rates for commercial vehicles, tools &equipment coverage, and workers’ compensation. PLUS, we can issue certificates FAST!
Call us at 952-222-8073 or complete our easy online quote form for the perfect insurance policy for your Minnesota handyman business.
