Handyman General Liability Coverage

Handymen do it all and need affordable liability insurance coverage

If you're a handyman, you seem to be a Jack of All Trades in numerous repairs and maintenance projects. You will likely have many years of practice, study and experience. Most construction contractors can just focus on just one type of repair, like plumbing, electrical, roofing, painting, appliance installation, carpentry, etc. Whereas you must be proficient in many different industries all at once.

Professional handymen are expected to be proficient, and are called countless times to do projects like:

  • Carpentry – installing and repairing doors, windows, cabinets, shelves, countertops, etc.
  • Flooring – whether it be tile, hardwood, laminate, carpeting, or linoleum.
  • Roofing – roof leak repair to rain gutters, you do it all.
  • Plumbing – leaky faucets, pipes, or drains to installing sinks and toilets.
  • Electrical – replacing outlets, switches, lighting, and bulbs, and installing thermostats, doorbells, alarms, and security cameras.
  • Painting – inside or outside, caulking, sanding, scraping, trim boards, walls, or trim work.
  • Landscaping – planting trees, bushes, and flowers, installing proper drainage, lawn edging, fencing, sheds, paving stones, irrigation systems, and repairing boarder and retaining walls.


Worker and client shaking hands: Handymen need to protect themselves with liability coverage

You may be performing diagnosis and basic maintenance in commercial or residential environments, specializing in one or many industries. You may find that you need to recommend a specialist for more complex situations. It's best not to try to fix something that is well beyond the scope of your knowledge, skill and abilities. This will save you time and heartache from getting in too deep. It will also save you in your contractor's general liability insurance premiums by reducing your risk.

Unfortunately, even after all your versatility, you still don't get paid as well as a single industry specialist. Your risk, however, is even greater than those of single-skill professionals. Whether you are working for a large company or are self-employed, you will need to protect your business and your personal assets. Just as you need to carry specialized tools, you will also need to carry a specialized, quality, and affordable Handyman Contractor's General Liability Insurance Policy.

Accidents can happen. If you are a handyman, you need affordable liability coverage

Don't delay or forget to apply for a handyman general liability insurance policy early, as you will need to provide your certificate of coverage to the General Contractor in a timely manner. It commonly takes many insurance companies weeks, even months, to get you a certificate of coverage for your new handyman general liability policy. Getting to work quickly is critical to your and the customer's bottom line. You don't have time to wait for a certificate of coverage from your general liability insurance company. ACE Financial Group Ltd. can get you through the quote and application process with a certificate in hand for your new Handyman General Liability Coverage Policy in 1-2 days. Now you can get back to work!

General Liability Insurance Policies are also riddled with many limitations, exclusions, riders, rate-ups and limits, written in a legalize boilerplate format in order to shield the insurance company from ever paying out in a claim. As the business owner, you need to be very savvy against their manipulation by considering an alternative to their insurance policy games.

Work planning session: Handymen need to protect themselves with liability coverage

Therefore, ACE Financial does not offer an insurance product, but a very effective alternative to insurance by using a risk-sharing group of like-minded industry professionals. We protect our own family by grouping together these low-risk professionals in a policy that is designed and customized to protect them in an honest, practical, cost saving manner. This allows ACE Financial to offer one of the lowest rates in the industry. This risk-sharing method has legally and effectively been used for hundreds of years successfully with farmers, churches, many other professions and governmental agencies.

At ACE Financial, we offer contractors liability coverage tailored to your specific needs and budget. We understand the unique risks and challenges that you face as a professional in the construction industry. We can help you find the best policy that suits your industry and project type. We can also provide you with a certificate of liability coverage that you can use to prove your coverage to your clients or partners.

Don't let an unexpected claim or lawsuit ruin your business. Contact us today to get a free quote and learn more about our contractor's general liability coverage options. We are here to help you protect your construction business with confidence and peace of mind.

For personalized advice, to explore the best coverage options for your business, and to get a low rate quote, reach out to our expert customer service advisors today.

For specific insurance details, terms, and conditions, please consult with a licensed insurance professional. The information provided here is for informational purposes only and does not constitute legal or financial advice.

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