We offer Handyman Insurance coverage in Massachusetts, Maine, New Hampshire, Rhode Island, Maine, New York and Florida.
Please ask one of our agents how we can provide you with insurance across multiple states.
At Coonan Insurance Agency, we understand that being a handyman means taking on a variety of tasks, often in unpredictable environments. Whether you’re fixing a leaky faucet, installing drywall, or handling small electrical repairs, your work comes with risks. That’s why having the right insurance is an important part of protecting your business, your tools, and your reputation.
What Is Handyman Insurance?
Handyman insurance is a general term for the types of business insurance policies commonly purchased by independent contractors and small repair service providers. These policies are designed to help protect you against claims of property damage, bodily injury, or other liabilities that may arise from your day-to-day operations.
Depending on your specific trade and services, your coverage may include general liability insurance, commercial property coverage, tools and equipment protection, and workers’ compensation. Each policy is tailored to reflect your unique needs as a Massachusetts-based handyman.
Why Might A Handyman Need Insurance?
If you’re operating as a handyman in Massachusetts, you may be required to carry certain types of insurance depending on your business size, structure, or contractual obligations. Even when it’s not required, having insurance in place can help protect you in case something goes wrong on the job.
For example, if a customer claims that your work caused damage to their home, or someone trips over your ladder and is injured, liability insurance may help cover legal fees or settlement costs. Additionally, some clients may only hire contractors who are insured, so having coverage can help you stay competitive in the market.
Quotes Available in MA, RI, CT, NH, ME, NY and FL
What Types Of Coverage Are Available For Handymen?
There are several types of policies that may be relevant for a handyman operating in Massachusetts. These may include:
The right combination of policies will depend on the nature of your work and how your business operates.
How Much Does Handyman Insurance Typically Cost?
The cost of handyman insurance in Massachusetts can vary based on several factors. These include the size of your business, the services you offer, the number of employees you have, and the level of risk associated with your work. Other considerations may include your claims history and the amount of coverage you choose.
Some policies start at just a few hundred dollars per year, while others may cost more depending on your needs. At Coonan Insurance Agency, we work with a range of insurance carriers to help you explore coverage options that align with your budget and goals.
Is Handyman Insurance Required In Massachusetts?
In some cases, yes. If you have employees, Massachusetts law requires you to carry workers’ compensation insurance. Additionally, if you use a commercial vehicle, state law requires you to have commercial auto insurance.
General liability insurance is not always legally required, but many clients may request proof of insurance before they’ll agree to hire you. Carrying coverage can also help if you’re bidding for contracts, working with larger companies, or subcontracting.
Even when not required, having insurance may offer peace of mind and financial protection when unexpected events occur.
Can Coonan Insurance Agency Help Me Compare My Options?
Yes — that’s what we’re here for. Coonan Insurance Agency has been serving individuals and small businesses across Massachusetts for years. We understand the unique challenges faced by handymen and contractors, and we’ll take the time to understand your business so we can help you explore insurance options that fit.
We represent a network of reputable insurance carriers and can help you compare multiple quotes. Whether you’re just starting out or have been in the business for years, we’re here to support you with local knowledge and personalized service.
How Do I Get Started With A Handyman Insurance Quote in Massachusetts?
Handyman insurance is about more than checking off a box — it’s about protecting the work you’ve built and planning for the unexpected. At Coonan Insurance Agency, we’re proud to be a local resource for Massachusetts contractors who want to operate with confidence. Whether you’re fixing up homes in Worcester or managing jobs on the Cape, we’re here to help.
Ready to explore your handyman insurance options? Reach out today and let’s talk about what coverage might make sense for your business.
