Handyman Insurance in New Hampshire

Also providing handyman  insurance to residents in Massachusetts, Maine, Rhode Island, & Vermont.

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What is handyman insurance?

Handyman work mostly consists of basic home maintenance and repairs, but even this work comes with some risks. Handyman insurance may protect handymen (and women) in New Hampshire from a range of property and liability risks.

Handyman insurance provides tailored coverage for individuals working as handymen (and handywomen). Policies generally provide several coverages at an affordable rate.

Who in New Hampshire should carry self-employed handyman insurance?

Most self-employed workers providing general maintenance and repair services in New Hampshire should have self-employed handyman insurance. Not insuring could be costly if something happens. 

Many of the people who purchase these policies are working as sole proprietors, but policies can also cover workers who are self-employed through an LLC.

For professionals working in the skilled trades, a slightly more robust insurance policy is usually needed. Handyman policies normally aren’t intended to insure against the increased risks that HVAC, electrical or gas work present.

What insurance coverages should self-employed handymen look for?

Self-employed handyman insurance policies typically offer customizable coverages that include several property and liability protections. A few protections that may be useful are:

• Business Property Coverage: May protect tools and supplies when they’re at a primary facility, and might also cover the facility.
• Commercial Vehicle Coverage: May protect a commercially registered vehicle owned by a handyman’s business.
• Inland Marine Coverage: May protect tools and supplies while they’re being transported to/from customers’ houses or businesses.
• Crime or Theft Coverage: May protect tools, supplies and vehicles against theft.
• General Liability Coverage: May protect against common accidents that harm another party, for which a handyman is alleged to be responsible.
• Commercial Umbrella Coverage: May provide an additional layer of liability protection against costly lawsuits.
• Business Interruption Coverage: May protect against extended periods of reduced revenue caused by a disaster.

An insurance agent specializing in self-employed handyman insurance can help in deciding which coverages make sense for a particular situation.

Are general repair professionals working for an employer covered?

When general maintenance and repair professionals work for an employer, they’re usually covered by the employer’s insurance policy. This assumes that the employer has proper insurance, which is something employee handymen may want to confirm.

Any employer’s coverage normally only applies when doing work for the employer, however. Handymen who have their own side jobs might need separate insurance for the side work.

Additionally, handymen who are hired as independent contractors generally don’t receive the same benefits as employees. They’re much less likely to be covered by a hiring business’s insurance. Instead, independent contractors should usually plan on getting their own policy.

How much do general repair and maintenance professionals pay for insurance?

premiums for self-employed handyman insurance policies vary based on factors such as the following:

• Whether the business owns a building
• Where the business is located
• What area is covered by the handyman
• What services are offered
• What equipment is used

The chosen coverages, deductibles and limits obviously affect rates, as can any recent insurance claims.

Despite differences in premiums, these policies are generally designed so they’re affordable. An independent agent can check exactly how much a policy will be. Independent agents can check quotes from several insurance carriers, since they aren’t obligated to work with just one.

How can handymen and handywomen in New Hampshire find handyman insurance?

If you work as a handyman or handywoman in New Hampshire, contact the independent insurance agents of Insurance24. Our agents will work closely with you to determine coverage needs, and then show you various policy options that meet your specific needs. Together, we can find you handyman insurance that’s perfect for the work you do.