I'm a handyman. I need insurance. Does anyone know what to look for?

As a handyman it will depend on what you want coverage for.....If you do not have a shop and work out of your house you will need the basic General Liability policy which will cover you for a minimum of 1,000,000 each occurence with a 2,000,000 Aggregate limit. If you use your vehicle while on jobsites you may want to consider getting commercial vehicle insurance.

General Liability covers your work that you are liable for a bond would only cover the act of a theft or if you break something in a clients place of business or house.

Example: Lets say that you install a electrical compenent in a house and a wire accidently is left bare and the persons home catches fire. The general liability would pay for this since you can be held liable (a bond would not do anything in this case).

Most companies will require general liability not a bond. In the instance you are going into the house to do work they may require a bond (again this would cover a theft or if you broke something). Generally the only clients that I have that need a bond are Janitorial services.

If you get the right Agent they can get you a really great rate by shopping carriers. The cost for liability is around $500 to $750. (maybe less)

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Handyman Liability Insurance

Handyman Insurance

don't know about liability stuff, but for 'workmans comp' stuff...

You can get benefits packages for individual persons as well. These would include, life, disbility, and health benefits. Any broker can set this up for you. These policies would be individual policies that are not directly attached to your work, so if you change career paths it will stay with you. If you are self employed they will however be tax deductable as part of your business. Inorder for you to run your business you need to make sure you have the funds in place to keep it going until you're able to return, so they're a business expense.

Best way to do it is to contact a licensed insurance broker. They can go over alll the options and find plans that best fit what you need.

You need a business policy and maybe workers comp.

Many companies will not give you a business policy without a contractors license. Call some local agents and ask.

A bond is another way to go. Look in the yellow pages under "bonds".

Mick Lee and Jamie Hopkins posted the same question. You should read the answers side by side.