Handyman General Liability Insurance: Essential Protection for Your Business

As a handyman, you are the ultimate jack-of-all-trades. Your skills are in high demand, from minor plumbing repairs and electrical work to painting and carpentry. You solve problems for homeowners and property managers across Kansas City and throughout Missouri. With this wide range of services comes a unique set of risks. A single accident—a client tripping over your toolbox or an accidental water leak causing property damage—could lead to a costly lawsuit that threatens the business you’ve worked so hard to build.

That’s where general liability insurance comes in. It’s not just a policy; it’s fundamental protection for your livelihood. At Bargain Insurance Connection, we specialize in helping skilled tradespeople like you find the right coverage to operate with confidence and peace of mind.

What is Handyman General Liability Insurance?

General liability insurance is a core coverage designed to protect your business from claims of bodily injury, property damage, and personal injury that may occur during your operations. Think of it as a financial safety net. If a third party—such as a client, a visitor to their home, or another contractor—alleges that your work caused them harm or damaged their property, this insurance can cover the associated legal fees, settlements, and medical expenses.

Without this protection, you would be personally responsible for covering these costs out of your own pocket, which could be financially devastating.

What Does General Liability Insurance Cover?

Your work as a handyman is diverse, and the risks you face are just as varied. General liability insurance is designed to address these common exposures.

Here are some typical scenarios that a handyman’s general liability policy would cover:

• Third-Party Property Damage: Imagine you are hanging a heavy mirror in a client’s living room, and it accidentally falls, shattering a glass coffee table and scratching the hardwood floor. Your general liability policy can cover the cost to repair the floor and replace the table.
• Third-Party Bodily Injury: While carrying materials into a home, you leave your tool bag on the porch. The homeowner comes out to speak with you, trips over the bag, and breaks their wrist. Your insurance can help pay for their medical bills and any potential legal claims that follow.
• Completed Operations: A week after you install new shelving in a client’s garage, the shelves collapse and damage their car parked underneath. Even though you have already completed the job, “completed operations” coverage, which is part of a standard general liability policy, can cover the repair costs for the vehicle.
• Personal and Advertising Injury: In a local advertisement, you unintentionally use a slogan that is very similar to a competitor’s copyrighted tagline, and they sue you for it. This part of your policy can cover the legal defense costs associated with claims like libel, slander, or copyright infringement.

The Cost of Peace of Mind: How Much is Handyman Insurance?

Protecting your business is more affordable than you might think. For most small to medium-sized handyman businesses in Missouri, a general liability insurance policy typically costs between $500 and $1,000 per year. This breaks down to a manageable monthly expense that is a small price to pay for comprehensive protection.

Several factors influence your specific premium, including:

• Business Size: A solo operator will generally pay less than a business with several employees.
• Years of Experience: A proven track record of safe operations can often lead to lower premiums.
• Services Offered: The type of work you perform can affect your rate. Jobs with higher inherent risks may result in a higher premium.
• Coverage Limits: Choosing higher coverage limits will increase the cost but provide greater protection.
• Claims History: A history free of claims demonstrates lower risk and can help keep your costs down.

Our team at Bargain Insurance Connection can walk you through these factors to find a policy that fits your specific needs and budget.

You Select Coverage Limits

When selecting your policy, you can customize the amount of coverage that best fits your business needs. We offer general liability coverage limits ranging from $100,000 up to $1,000,000. This flexibility allows you to choose a level of protection that gives you confidence, whether you’re a sole proprietor handling smaller jobs or operate a larger team with multiple projects.

Higher coverage limits provide greater financial security in the event of a major claim, while still keeping your premiums affordable. Our team is here to help you understand your options and select the coverage that matches your risk and budget

Why Choose Bargain Insurance Connection?

As a local agency based in Kansas City, we understand the unique challenges and opportunities for handymen working in our communities across Missouri. We’re not just selling policies; we’re building relationships and providing a service you can rely on. We take the time to understand your business so we can find the most effective and affordable coverage for you. We work with multiple top-rated insurance carriers to shop for competitive rates, ensuring you get the best value without sacrificing protection.

Secure Your Business Today

Your handyman business is built on your skills, reliability, and hard work. Don’t let an unexpected accident put it all at risk. Investing in the right general liability insurance is one of the smartest business decisions you can make.

Ready to get the protection you need? Contact the experts at Bargain Insurance Connection today. Let us handle the insurance details so you can focus on what you do best—providing excellent service to your clients.

Request a free, no-obligation quote online or call our Kansas City office to speak with an agent at 816.453.7722!