Handyman Liability Insurance in California – CA

Work as a handyman in California? You should seriously consider taking out handyman insurance cover for yourself and your business. The most popular kinds of  handyman insurance in California are:

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  • General liability insurance
  • Professional liability / Error & Omission insurance
  • Equipment insurance
  • Commercial vehicle insurance
  • Workers Compensation insurance

Handyman Liability Insurance in California

What work does a handyman do in California?

As a handyman, handyperson, repairman, serviceman, or handy worker, your work provides professional services for customers who need home maintenance, small repairs, and installation. The most popular handyman services in California are:

In California, a handyman cannot do work requiring a handyman license or permit, such as installing air conditioning or furnaces.

Are you protecting yourself against possible litigation and loss?

You cannot foresee the future, so you need policies designed for your individual business needs. Working as a handyman, you are doing a wide range of work. You have to be sure you’re protecting yourself against any possible event.

What does handyman General Liability Insurance cover?

General liability insurance is bought by more than 90% of small business owners in the US.

Handyman general liability insurance covers you if someone other than yourself or your employee gets injured by something you do, or you damage something that belongs to your customer. General liability is not required by law in California. Still, it’s also good for your business because customers may want proof of coverage.

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General liability insurance in California will pay for restoring or replacing damaged property, medical costs for injuries, and any relevant legal fees and judgments.

What does handyman general liability insurance in CA cost?

Handyman general liability insurance in California can start with rates as low as $25-$28 per month. It can vary depending on the level of cover you request.

Note: To estimate the insurance we recommend using our insurance calculator.

What is Professional Liability / Error & Omission insurance?

Handyman professional liability insurance covers you if a customer alleges that the work you did was negligent, substandard or unsatisfactory.

Error & Omissions insurance will take up your case. It provides legal defense, pays the associated costs and judgment, or a settlement if that is reached for restoring or replacing damaged property, medical costs for injuries, and any associated costs.

What does professional liability/E&O insurance in California cost?

E&O insurance in CA should cost as little as $45 per month. It can be cheaper if you take a lower cover with a larger deductible.

What is handyman Equipment insurance?

To do your work efficiently and correctly, you need a complete toolbox and maybe some electronic devices or special equipment you borrowed or leased for a particular job. Handyman equipment insurance ensures all of this is protected wherever you store it – in your home, the car or van and a trailer, and most importantly, on the job site.

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Equipment insurance will protect you in case of vandalism, theft, damage by fire, and other non-work-related losses.

What does equipment insurance in California cost?

If all the equipment adds up to under $10,000, a policy in California should cost as little as $12 per month. It can be cheaper if you take a lower cover with a larger deductible. We calculated a simple cover with the lowest possible deductible – $250 – for comparison.

What is handyman vehicle insurance?

Handyman vehicle insurance covers your private or company car, van, or truck in case of an accident, theft, fire, or similar event. Suppose you are using your private vehicle for work-related activity. In that case, your private insurance is not covering you in case of any claim. You need to either add a business cover to your private policy or take out a separate commercial vehicle insurance policy.

The vehicle insurance should cover driver liability, vehicle and third-party damage, and any associated medical costs. It should also cover your costs if the other party is an uninsured motorist.

What does commercial vehicle insurance in California cost?

For handy workers like you in California, the average monthly cost for a new car or light truck is around $185 per month.

What is Workers Compensation Insurance?

Workers compensation is mandatory by law in California if you employ one or more full-time, part-time, casual, or subcontractor workers. The law intends to ensure that employers provide coverage for work-related injuries and occupational diseases. Plus, it’s the right thing to do for your employees. If you’re a one-person operation, it’s good because work-related injuries maybe aren’t covered by your health insurance.

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Without workers compensation insurance, you are personally liable for all costs and claims of damage from workers in case of accident or sickness, and you are also breaking the laws of California and could be subject to heavy fines and even jail.

What does Workers Compensation insurance in California cost?

In California, the average cost of workers compensation is based on payroll and risk factors. It presently is around $1.25 per $100 of pay per month.

Best Insurance Choices and Cost Considerations for California Handymen

When selecting the best insurance for a handyman business in California, it’s crucial to balance cost with the breadth of coverage. Start by assessing your specific needs, taking into account the range of services offered and the inherent risks involved.

General liability, professional liability (Errors & Omissions), equipment, commercial vehicle, and workers’ compensation insurance are essential types for a well-rounded protection.

Policy limits and coverage details should be meticulously compared across various insurance providers. Importantly, leveraging online tools to obtain quotes can provide a clearer picture of the financial commitment involved.

Opting for the right insurance plan not only safeguards your business against unforeseen events but also aligns with legal requirements and customer expectations. Remember, the investment in comprehensive insurance is a strategic step in ensuring the long-term stability and success of your handyman business in the dynamic Californian market.

Ready to Get Handyman Liability Insurance in California?

When opting for the best handyman liability insurance cover, pay attention to the terms and conditions.

Furthermore, don’t forget to seek clarification about any questions you may have so that you invest in the best handyman liability coverage.

We will try to provide information about online handyman insurance in California, so if you live in cities as an example:

City Zip Code Website
Los Angeles 90001 https://www.lacity.org/
San Diego 92101 https://www.sandiego.gov/
San Jose 95110 https://www.sanjoseca.gov/
San Francisco 94102 https://www.sfgov.org/
Fresno 93721 https://www.fresno.gov/
Sacramento 95814 https://www.cityofsacramento.org/
Long Beach 90802 https://www.longbeach.gov/
Oakland 94612 https://www.oaklandca.gov/
Bakersfield 93301 https://www.bakersfieldcity.us/
Anaheim 92805 https://www.anaheim.net/
Santa Ana 92701 https://www.santa-ana.org/
Riverside 92501 https://www.riversideca.gov/
Stockton 95202 https://www.stocktonca.gov/
Chula Vista 91910 https://www.chulavistaca.gov/
Irvine 92602 https://www.cityofirvine.org/
Fremont 94538 https://www.fremont.gov/
San Bernardino 92401 https://www.sbcity.org/
Modesto 95354 https://www.modestogov.com/
Fontana 92335 https://www.fontana.org/
Moreno Valley 92551 https://www.moreno-valley.ca.us/
Oxnard 93030 https://www.oxnard.org/
Rancho Cucamonga 91730 https://www.cityofrc.us/
Santa Clarita 91321 https://www.santa-clarita.com/
Glendale 91206 https://www.glendaleca.gov/
Huntington Beach 92648

Final Thoughts

Operating as a handyman without comprehensive insurance coverage exposes you to various risks that could jeopardize the business you’ve worked so hard to build. When considering the cost of insurance, it’s crucial to reframe the question: “Can I afford to operate without it?” The potential risks and financial implications of unforeseen events often far outweigh the investment in insurance.

Adequate coverage not only provides peace of mind but also ensures the longevity and stability of your business in the face of challenges. Remember, in the world of handiwork, being prepared with the right insurance is just as important as having the right tools for the job.

FAQ for Handyman Insurance in California

We recommend consulting the latest information on the California government website for the most current regulations and requirements.

Is insurance legally required for handymen in California?

While general liability insurance is not mandated by law, workers’ compensation insurance is compulsory if you employ others. It’s advisable to have insurance for financial protection and credibility with clients.

What types of insurance should a handyman in California consider?

Key types include general liability, professional liability (Errors & Omissions), equipment, commercial vehicle, and workers’ compensation insurance.

How much does handyman insurance typically cost in California?

Costs vary based on coverage levels and specific business needs. General liability might start at $25-$28 per month, while professional liability can start at around $45 per month.

Can I use my personal vehicle for handyman work without commercial vehicle insurance?

No, personal vehicle insurance typically doesn’t cover work-related use. It’s essential to either add business coverage to your personal policy or acquire a separate commercial vehicle policy.

What does general liability insurance cover for handymen?

It covers injuries or damages to third parties due to your work activities, including legal fees and medical expenses.

What’s the difference between general liability and professional liability insurance?

General liability covers physical damages or injuries, while professional liability (E&O) covers claims of professional negligence or substandard work.

How can I choose the best insurance provider for my handyman business?

Compare different providers based on coverage options, customer service, cost, and any additional benefits specific to handyman businesses.

Does equipment insurance cover tools stolen from my job site?

Yes, equipment insurance typically covers tools and equipment in case of theft, vandalism, or damage, regardless of location.

Are part-time or subcontracted workers covered under workers’ compensation insurance?

Yes, in California, workers’ compensation insurance is mandatory if you employ any full-time, part-time, casual, or subcontracted workers. We recommend consulting the latest information on the California government website for the most current regulations and requirements.

Can I customize my insurance policy according to the specific needs of my handyman business?

Yes, most insurance providers offer customizable policies to match the unique requirements and risks of your business.