Handyman Insurance in Wisconsin
Are you really a handyman in the eyes of the insurance Company?
Making sure you are rated and classified correctly is the first step in your insurance search. Some contractors think, just because they do multiple things, they are a handyman. This not necessarily correct.
Most insurance companies in Wisconsin deem a handyman and a person doing projects of short duration. We are talking about an afternoon project, such as a screen door install or installing some window blinds. But generally, the projects are less than 3-4 days. Other examples might be home maintenance, small home repairs, simple installations.
They might also do minor electrical and plumbing work that doesn’t require a permit or license. It’s important the classification is chosen correctly, because if you are really an interior carpenter it might be lower cost. Insurance companies can view handyman insurance as a negative thing. Jack of all trades and master of none. But some insurance companies have a program specifically for it. We want to make sure you are covered correctly.
What is handyman insurance anyway?
Handyman insurance is general liability insurance. It is a very important part of your insurance program and normally the first policy you will buy. It is the primary or core insurance policy for your Wisconsin handyman business. General liability insurance covers bodily injury and property damage claims. There are several different limits of liability coverage, like $300,000/$600,000, $500,000/$1,000,000 and $1,000,000/$2,000,000, which is most common and highly recommended. There can also be a property damage deductible. This means you would pay the first say, $1,000, $2,500 or $5,000 if you were to be damaged something “other than” what you are were working on. This should be taken into considered before purchasing your handyman liability insurance policy. General liability insurance covers your premises, products, operations and completed operation (once your work is done). Feel free to click here for a more detailed definition on general liability insurance:
How much does handyman insurance cost in Wisconsin?
Being an independent insurance agency and independent insurance advisors, we believe shopping multiple Wisconsin insurance companies (for maximum savings). Also, working with an experienced contractor’s insurance agent is key to finding low cost rates for handyman insurance. Wisconsin handymen might expect to pay less than $950.00 per year for a start up with one active owner. If you have been in business awhile, then having a good claims history (loss runs/loss history) can have a positive or negative effect on your handyman insurance premiums.
Let us compare your Wisconsin handyman contractor insurance with multiple companies and help you choose wisely.
Our goal is protecting your WI handyman business, then we save you time and some money. We do this by shopping multiple Wisconsin contractor insurance companies to find you the very best protection and very affordable rates. By bring multiple options to the table, giving you a choice in insurance plans. Helping you customize a handyman business insurance program that is not only cost effective, but right for your growing Wisconsin business.
Contact Us for a Quote
We are ready to discuss your handyman insurance and know we can help. You know the WI handyman business and we know Wisconsin contractor’s insurance.
If you are looking for handyman insurance in Wisconsin, you came to the right place. We cover handymen statewide! Read our BIO, then just pick up your phone or complete our quick quote form to the right. We make it easy, fast and very affordable.