Handyman work · Insurance
Handyman insurance: what the providers actually publish
Of the 4 providers whose handyman pages we set out to read on August 29, 2026, 2 could be read and 2 returned a block. The two we read both sell tools and equipment cover separately from the liability policy, and neither publishes a price for the trade.
This page is a reading of what each provider publishes about handyman work, on the dates shown. It is not a ranking, it does not score anyone, and it does not know anything about your business. Where a page could not be read, the cell says so.
The facts, provider by provider
What each published page says, in its own words. Every cell carries its source and the date it was read.
| Provider | Its page lists | Sold separately | Published price |
|---|---|---|---|
ERGO NEXT InsuranceProtection for damage to other people's property and injuries to non-employees. ... Tools and equipment coverage, also called inland marine insurance, is an add-on to our general liability insurance for a handyman. | damage to other people's property; injuries to non-employees; medical expenses; legal fees and judgmentsnextinsurance.com · read 2026-08-29 | tools and equipment (sold separately as inland marine, not part of the base general liability policy)nextinsurance.com · read 2026-08-29 | [TO VERIFY] its page publishes no price for this trade, so there is none to quote. |
Simply BusinessCan help cover claims of accidental damage to a customer's property, such as dents to walls or floors. ... Contractor's Equipment and Small Tools Insurance ... can financially protect equipment and inventory that's in transport or stored offsite. | accidental damage to a customer's property (e.g. dents to walls or floors); third party accidents, property damage, bodily injury; cost to repair or replace a client's damaged equipment from accidental damage during a service callsimplybusiness.com · read 2026-08-29 | contractor's equipment and small tools (sold separately as inland marine, priced from $20.83/month)simplybusiness.com · read 2026-08-29 | [TO VERIFY] its page publishes no price for this trade, so there is none to quote. |
| Thimble | [TO VERIFY] its page serves an automated security check that did not clear, attempted 2026-08-29. | [TO VERIFY] not read, so it is absent rather than assumed. | [TO VERIFY] not read. |
| Hiscox | [TO VERIFY] its page serves an automated security check that did not clear, attempted 2026-08-29. | [TO VERIFY] not read, so it is absent rather than assumed. | [TO VERIFY] not read. |
The gap list
What the online policy does not do
Your own tools sit outside the liability policy
On both pages we could read, equipment cover is sold as a separate product rather than included in general liability. That is the provider's own description of its product, not an interpretation of a policy form.
The certificate holder is not the insured
The document a commercial client asks for states its own limits in capital letters. What it proves is that a policy existed on the day it was issued.
Two of the four pages could not be read at all
Every route we tried on two providers returned a block. Those cells are marked as unverified rather than filled with what a comparable provider says, because a plausible number is still an invented one.
Every line here comes from the providers' own pages or from the standard forms, with the date each was read.
The starter checklist, by trade and state
Every licensing, tax and renewal line for your trade, with the official source and the date it was read on each one. Contractor licensing verified in CA, NV, AZ, FL and TX, across the 7 trades of this site. Not 50 states: the ones we have not read are absent rather than estimated.
See what the checklist coversCommon questions
What do the provider pages list for handyman work?
Both pages we could read describe the same core: damage to other people's property, injuries to people who are not employees, and the legal costs that follow. Neither describes the policy as covering the operator's own tools, which each one sells as a separate product.
Are tools and equipment covered by general liability?
On both pages we read, equipment cover is a separate product from the liability policy rather than part of it. The category has its own name, inland marine, and how the standard forms treat it is explained on this site's tools and equipment page.
Why do two providers have blank cells?
Their product pages returned a block to every route we tried, on the date shown in the table. That is a limit on our reading, not evidence that the page says nothing. The cells stay marked as unverified until someone reads them by hand.
Does being listed on a certificate mean the client is covered?
The standard certificate states in its own text that it confers no rights on the holder. What the certificate holder receives is evidence that a policy existed on the date it was issued, which is a different thing from being insured under it.
How this page is sourced
Each row is a reading of the provider's own product page for handyman work, quoted verbatim and dated. Providers whose pages could not be read are listed with the attempt date rather than left out, because leaving them out would make the comparison look more complete than it is.
Related on this site: the four conditions that void the contractor threshold at any price are on handyman licensing. Which part of a liability policy reaches work already finished is on types of liability. Sourcing standard on methodology.