As a handyman, you offer a variety of tasks which means insurance companies will have a little more trouble pricing your business. A standard contractor like an electrician is easier to rate since the companies know exactly what they are doing day to day and they generally have ESA license requirements to abide by. As a handman, you have to be an expert in many different areas, a jack or jill-of-all-trades. This also means your risks can be bigger. Its important to notify your broker of exactly what services are offered. As an example, if you do any structural work, your policy will need to take that into account when quoting. Not all services are rated equally. Sometimes additional insurance policies may be advised such as a Builders Risks policy. Call our licensed commercial insurance brokers for a review at 905 366 0066. 

Some of the common policies many Handymen have include:

1. Commercial General Liability (CGL) tailored to your handyman business. This could range from liability limits as little as $1,000,000 if you do small residential work to $10,000,000+ for Handymen who has several employees operating under them.
2. Tools And Equipment Coverage. If you have tools and equipment that you would like covered, this can usually be added onto your CGL policy for a small fee. This is ideal for larger or more expensive pieces of equipment.
3. Commercial Auto Insurance For Handymen. As a Handyman, you need to have a car to operate your business. Personal auto insurance will not cover you correctly. A commercial auto insurance policy designed for the Handyman is what should be purchased. Insurers could decline claims on personal auto policies and that is a headache you do not need. Ambroziak & Rao has fantastic commercial auto insurance rates. Call 905 366 0066 for a quote today! 
4. Property Insurance. If you own a unit or warehouse where you store your tools, supplies and equipment, you would require a property policy as well.