Handyman Insurance quick quote form or call us at 952-469-0425.
Handyman contractors are professionals in their trade, working on short projects. Typical Handyman projects include drywall repair, wall painting, lock replacement, replacing a door or window and similar skills. If you are an experienced handyperson who works professionally, it is advised to get a Handyman Insurance Iowa to protect your business from liabilities.
Handymen can get injured in accidents, cause property damage with a slight miscalculation and even bodily injury.
Clients who experience negligence can sue your business for negligence or damage. So, be sure to buy a comprehensive handyman insurance plan. With a comprehensive insurance plan, you can protect your business from costly liabilities and damages.
Not only does your insurance plan need to be comprehensive, but it also needs to be low cost.
Contact Iowa Contractors Insurance today at 952-469-0425 and get your Handyman Insurance quotes in Iowa!
Our independent insurance agency in Iowa specializes in contractor insurance. We offer Insurance plans for all types of Iowa contractors, read our bio. We shop multiple top-rated insurance companies and match you up with the best fit—the best fit for your growing handyman contracting business.
Who are we?
Our insurance agency specializes in multiple types of contractor insurance. We provide you with the best Handyman insurance Iowa fit that fits your handyman contracting business. We have been providing this for many years, so we know which policies suit your business.
Maybe you are a new Iowa independent contractor who has just started or you already own a well-established handyman contracting company. Either way, we can make recommendations on the types of coverage you should purchase at the best Handyman insurance rates.
What to Expect from Handyman Insurance Iowa?
We give you a choice of insurance companies so that you can get the best at the lowest Handyman insurance cost. Some of those coverages are, but are not limited to:
1. Commercial General Liability Insurance –
General liability insurance covers your handyman business or your workers should they be sued or found liable for the following types of claims:
- Damage to other people’s properties
- Bodily injuries and deaths
- Advertising and personal injury
Commercial general liability insurance will also cover the cost of the damages and losses incurred in the event. This insurance can cover the cost of your legal defence and medical fees. Handyman contractors need protection for your premises, products, operations, and completed operations.
2. Commercial Property Insurance –
Commercial property Handyman Insurance Iowa helps cover your handyman’s businesses property if it encounters a disaster. This insurance will cover the loss or damage of the following should a fire or other covered peril arise:
- Other people’s properties
- Business personal property & equipment
- Furniture and fixtures
- Building or structure
3. Workers’ Compensation Insurance
Workers’ compensation insurance is required by Iowa law in most cases. If you own a handyman business, it is only fair to provide your employees with complete workers’ compensation. Your employees could be injured on the job. So, it is good to reassure your employees that they and their families are financially secure if an accident happens on the job. Iowa worker’s compensation insurance offers several benefits, which are:
- Income benefits
- Medical benefits
- Burial benefits
- Death benefits
- Vocational rehabilitation benefits
4. Equipment and Tools Insurance
Equipment and tool insurance covers the cost of these things in the event they are stolen or destroyed. Though some commercial general liability may provide a small amount of coverage, it’s always best to take inventory and make sure you are adequately protected. As a handyman, if all of your tools went missing, you would potentially be out of business the next day. If you had protection, you could replace things right away on a credit card, knowing you would receive some reimbursement.
5. Commercial Auto –
Should any of your handyman business commercial vehicles meet an accident while in transit, commercial auto insurance to cover the following incidents:
- Liabilities resulting from damage to another person’s property, injury, or death
- Damage from collision
- Damage from non-collision (e.g., vandalism, theft, and other perils)
- Personal or medical payments of the insured
- Injury or property damage caused by hit-and-run motorists or the uninsured
Apart from these essential policies, Iowa Contractors Insurance can include other kinds of insurance in your plan. We can add bonds or even a business owner’s policy if you are looking to secure your handyman company even further.
Contact us for Handyman Insurance in Des Moines, Cedar Rapids, Davenport, Sioux City & Iowa City
Simply complete our quick quote form or call us at 952-469-0425 today and we will create a handyman insurance plan for you.
“We make insurance simple to understand and easy to purchase”
Frequently Asked Questions on Handyman Insurance Iowa
Q: How much does Handyman Insurance cost?
Answer: The cost of your Handyman Insurance Policy depends on a few factors. With Iowa Contractor Insurance, you don’t have to commit to long, expensive policies, though.
You can access flexible handyman insurance through the Iowa Contractor Insurance app and customize your coverage down to the month, day, or hour. To get an accurate idea of how much handyman insurance would cost you and your business, get a quote from Iowa Contractor Insurance.
Q: What are the Handyman Insurance policy limits?
Answer: Iowa Contractor Insurance offers a range of policy limits that can be customized for you. You can select the appropriate one based on the needs of your handyman business and the level of risk you would like to be insured against.
Q: Why do you need handyman public liability insurance?
Answer: A fixing job here, a furniture repair there; the work of a handyman is never done. Working across a bunch of trades means every day brings something new – but it also increases the risks you face in your line of work too. That’s why ensuring you get the right insurance should be one of your top concerns. Liability insurance is a great first port of call for any aspiring handyman running their own business. Protecting you from claims made for injury to clients or members of the public, as well as damage to their property, public liability insurance is absolutely essential to keep your business safeguarded from accidents.