As a handyman, you know how to handle it all. From pipes to wires and garbage disposals to toilets, you can help your clients with many different household problems. This means that you may also be exposed to more risk, both in injuring yourself, a client or having an accident that destroys or damages your client’s property. While you may take care to ensure that these risks are mitigated, accidents do happen and liability insurance could help relieve the burden of a lawsuit or judgment should you be found liable for a mishap.
Handyman insurance in California can encompass the following types of coverage:
- General Liability: Also known as commercial liability insurance and covers general liability of the business. It is a broad coverage. It is a smart move to have a general liability insurance policy in place.
- Commercial Auto Insurance: Your commercial autos, like a pick up or box truck, should be protected. A commercial auto insurance policy can help protect your work vehicle will going to/from jobs and while being stored.
- Business Owners Insurance: A Business Owners Policy (BOP) combines property, liability and business interruption coverage for small to medium-sized businesses. This packaged coverage is generally less expensive than when purchasing coverage separately. With a BOP you have the ability to customize the policy to meet your individual business needs.
- And more!
Let our insurance team find you the right insurance coverage for your handyman business in California. Regardless of your size, jobs or expertise, we’ll find you the right insurance policy to protect your business. We can assist with finding coverage, explain state liability insurance requirements and help with specialty needs like truck filings. For all your business and personal insurance needs, contact HJM Insurance Services today at 760-546-2546