Insurance for Texas Handyman Contractors
Handyman contractors do a little of everything — which means your insurance needs to cover a lot of ground. From minor repairs to small renovation projects, you're working in clients' homes and businesses every day. The right insurance protects you from property damage claims, injury claims, and the unexpected situations that come with working across multiple trades.
Key Risks
- ⚠Property damage while working in client homes or businesses
- ⚠Injury to clients or third parties on the job
- ⚠Falls from ladders or elevated work areas
- ⚠Damage to client property or furnishings
- ⚠Vehicle accidents driving between jobs
- ⚠Tool theft from vehicles or job sites
Required Coverages
General Liability
Covers property damage and injury claims from your handyman work. Essential for working in client properties.
Workers Compensation
Covers employee injuries if you have helpers or employees.
Commercial Auto
Covers your work vehicle. Personal auto does not cover business use.
Tools and Equipment
Protects your tools from theft and damage.
Job Requirements
- ✓Property managers and landlords require GL coverage
- ✓Some municipalities require handyman licensing and insurance
- ✓Larger repair jobs may require permits and proof of insurance
- ✓Commercial clients require COIs before work begins
Frequently Asked Questions
Do handymen need to be licensed in Texas?
Texas does not have a statewide handyman license, but some municipalities require licensing for certain types of work. Electrical, plumbing, and HVAC work typically requires licensed tradespeople.
How much does handyman insurance cost?
GL for a handyman operation typically starts around $500 to $1,200 per year. It's one of the more affordable trades to insure.