Handyman Services · Florida
Florida Handyman Liability & Small Business Insurance
A single slip in a customer's home can ruin your repair business. Florida handyman insurance covers your liability and tools. We compare multiple A-rated carriers for you.
What exact liability insurance should a Florida handyman carry?
A Florida handyman should carry a minimum of $300,000 in general liability insurance to cover property damage or injuries caused while working inside a customer's home. You should also add an inland marine tool floater to protect your expensive tools from theft while they are in your truck.
Handyman Jobs vs. Jobs That Need a Licensed Contractor
Florida's licensing law draws a line through handyman work, and your insurance application asks which side of it you work on.
Jobs that can fit the minor-work exemption
Casual, minor work where the total price for labor, materials and everything else stays under $2,500 (§ 489.103(9), Florida Statutes). Patching drywall, hanging doors, assembling furniture and mending a fence are typical. Carriers write handyman liability for this kind of work.
Jobs that need a licensed contractor
The exemption ends when a job is part of a larger project, when one job is split into small contracts to stay under the limit, or when you advertise as a contractor. Wiring, plumbing and air conditioning belong to licensed trades. Our contractor insurance page covers licensed work.
Handyman Business Insurance: Four Policies
Each policy answers a different loss. Most handymen start with the first one and add the others as the business grows.
General liability
Pays when your work damages a customer's property or someone gets hurt at the job, and pays for your defense if they sue. Customers and property managers ask about this policy first.
Tools and equipment
An inland marine floater covers saws, drills, ladders and hand tools in the truck, at the job or in storage.
Commercial auto
Covers the truck or van you drive between jobs. A personal auto policy may not answer for a vehicle used mainly for business.
Workers comp
Pays a helper's medical care and part of lost wages after an injury on the job. Whether you need it depends on your crew size and your kind of work.
How to Get Handyman Insurance in Florida
Four steps take a handyman from no coverage to a certificate a customer will accept.
- List the work you do — Write down the jobs you take and the jobs you turn down. Carriers price handyman work by the tasks you actually do, not by the title on your truck.
- Pick your limits — Ask your biggest customers which limit they require before you buy. Their number sets your starting point.
- Compare carriers — Each carrier accepts a different list of handyman tasks. An independent agent sends one application to several of them at once.
- Keep your certificate ready — Customers and building managers ask for proof before you start. Keep a current certificate, and ask for one naming the customer when a contract requires it.
Have These Details Ready for a Handyman Quote
- The jobs you take on, and roughly how your revenue splits between them.
- Whether you work alone or with helpers, and what you pay them in a year.
- The truck or van you drive for work, and anyone else who drives it.
- The tools and equipment you carry, with an estimate of what they would cost to replace.
- Any claims in the last five years, and the name of your current carrier.
Where can a Miami handyman buy liability insurance?
At an independent agency that can match your list of tasks to a carrier that accepts it. American US Insurance, in Kendall, fills out one handyman liability insurance application and shows you what each carrier's answer will cover. Handymen in Miami, Homestead, Hialeah and Pembroke Pines buy general liability, tool coverage and commercial auto through one agent. Certificates come from the same office that quoted the policy.
Additional Business Insurance Options
Handyman Insurance Guides
Business Owners Policy vs. General Liability: Which Fits?
Business owners policy vs. general liability: a BOP adds property and business income coverage to liability. How to tell which your Florida business needs.
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Payment Bond vs. Performance Bond: How Each One Works
Payment bond vs. performance bond: one guarantees the job gets finished, the other that subs and suppliers get paid. When Florida public jobs need both.
Read More →Get Your Handyman Insurance Quote
Tell us about your jobs, helpers, and work vehicles. We compare multiple A-rated Florida carriers to ensure your handyman policy covers every task you take.
- No obligation, no pressure
- Renewal and claims help after you buy
- A licensed agent compares carriers
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