Handyman Insurance in Pennsylvania

Also providing handyman insurance to residents in Maryland, North Carolina, New Jersey, and Virginia.

Anthony Acri Insurance

What is handyman insurance?

Home maintenance and repair services might seem like straightforward work, but any type of repair services come with certain risks. For those offering home maintenance and repair in Pennsylvania, handyman insurance can offer protection against a variety of risks.

Handyman insurance provides specialized coverage for individuals and small businesses that offer basic home repair and maintenance services. Policies may protect against property and liability risks.

• Who in Pennsylvania is self-employed handyman insurance for?

   

• Self-employed handyman insurance is strongly recommended for those offering paid handyman services. Both self-employed handymen (and women), and small businesses in Pennsylvania might need coverage.Sometimes people offering these services forgo insurance, in hopes of saving some money on premiums. Skipping insurance can have disastrous financial consequences if something happens, though. Policies are broadly recommended just in case.

Do self-employed handyman insurance policies cover HVAC and electrical work?

Self-employed handyman policies usually don’t cover more advanced work, such as HVAC or electrical services that require specific training. Handyman policies mainly provide affordable coverage for the risks that come with basic repair and maintenance.

Electricians, HVAC technicians, and others with similar training typically need an insurance policy that’s more tailored for their field of work.

What coverages can home repair professionals get through handyman policies?

Handyman policies might offer a range of important protections. Depending on the specific policy, it may come with:

• Business Property Coverage: Usually for tools, equipment, and materials when kept at a primary location, which could be a company building, leased space, or possibly a home.
• Commercial Vehicle Coverage: Usually for a pickup truck, van, or other work vehicle owned by the business. Sometimes coverage for a personal vehicle that’s used is added onto a personal auto policy.
• Inland Marine Coverage: Usually for tools, equipment, and materials when they’re taken between locations.
• Crime or Theft Coverage: Usually for potential theft of tools, equipment, and materials. Coverage may be extended to most anywhere these items are taken.
• Business Interruption Coverage: Usually for periods when business operations are reduced or stopped, due to a covered disaster or event.
• General Liability Coverage: Usually for common accidents that cause injury to another person, or damage to a customer’s property.
• Commercial Umbrella Coverage: Usually for costly lawsuits, normally providing an additional layer of protection for covered suits that exceed another coverage’s limit.

While most of these coverages are recommended, they might not all be needed in every situation. An insurance agent who’s well-versed in self-employed handyman insurance can help with coverage selection, making sure the right protections are chosen.

Are employees covered if they work for a handyman business?

So long as a handyman business has insurance, that insurance will normally extend to the business’s employees. Coverage usually doesn’t extend to side jobs, though, only applying when doing work for the business.

Employees who want to make sure they’re covered should ask their employer what insurance coverages they carry. If the employer doesn’t have a sufficient policy, a knowledgeable insurance agent can help employees find protections to fill in any gaps.

How much do self-employed home repair professionals pay for insurance?

Self-employed handyman insurance is normally quite affordable, although premiums can vary. The services offered, business’s assets, chosen coverages, and any recent claims are a few of the details that impact cost.

To find out how much insurance will cost in a particular situation, home repair professionals can compare quotes with an independent insurance agent. Independent agents are able to check quotes from several insurers.

Where can home repair professionals in Pennsylvania get handyman insurance?

If you need help finding handyman insurance in Pennsylvania, get in touch with the independent insurance agents at Acri Insurance Agency. Our agents have helped many people working in home repair and the trades, and we have the expertise to help you find the coverages you need. We’ll make sure you find solid protection.