Colorado Handyman Insurance
Handyman work is twenty trades in one truck, and insurance built for a single trade fits it badly. We insure Colorado handyman businesses with policies that match a varied job list, and we are honest about what a handyman policy will not cover.
The handyman insurance program
The right handyman program covers the breadth of small jobs while staying affordable for a small operation. The wrong one quietly excludes half of what you do.
- General liability for property damage and injury across repairs, assembly, fixture swaps, drywall patches, doors, decks, and the rest of the list.
- Scope checked against exclusions: handyman forms commonly exclude roofing, structural work, gas lines, and major plumbing or electrical. We map your actual services against the form before you bind.
- Commercial auto or business-use endorsement on the truck that is your shop.
- Inland marine for tools, the most stolen property class in the trades.
- Workers' comp when you add a helper, and sometimes sooner if property managers require it.
Know your ceiling
When a job crosses into roofing, structural, or full remodels, you have left handyman territory in both licensing and insurance terms. We will tell you where the line is, and when your growth means stepping up to a GC program.
Property managers love insured handymen
A current certificate of insurance with the manager named is the ticket into steady property-maintenance work. We issue them same-day.
Affordable is the point
Solo handyman GL is one of the most affordable commercial policies we write. There is little reason to work bare.
Handyman insurance FAQs
Do I need a license to work as a handyman in Colorado?
Colorado has no statewide handyman license, but cities set their own rules and permit thresholds, and plumbing and electrical work require licensed trades at modest thresholds. Insurance requirements often arrive via the property managers and clients you work for.
What does handyman GL usually cost?
For a solo operation it is typically one of the cheapest commercial policies available. Price moves with revenue, services, and helpers. We will give you a real number quickly rather than a teaser.
I occasionally do small roof patches. Covered?
Probably not under a standard handyman form, and roofing exclusions are strictly enforced. If roof work is real revenue for you, we should talk about a roofer program or removing that service.
Can I be insured for both handyman work and a specialty trade?
Yes, mixed operations are rated by revenue split. The key is declaring the full mix so each kind of work is actually covered, rather than insuring the cheap half and risking the expensive half.
Does handyman insurance cover appliance installation?
Generally yes for standard hookups, with water-connected appliances deserving care since supply line failures cause real damage. Gas appliance work crosses into licensed trade territory in most jurisdictions.
What happens if I damage something expensive in a client's home?
That is the core of your general liability: the dropped TV, the cracked countertop, the scratched floor. Coverage plus a calm process for making it right is how a bad day stays a small story.
Do online platforms like Thumbtack or Angi require insurance?
Platforms increasingly verify liability coverage for badging and ranking, and insured pros win more jobs. We provide the proof the platforms ask for.
Get your handyman quote
Your service list and rough revenue. Five minutes, real options.