Handyman Businesses: Do You Need Workers Comp Insurance?

Handyman businesses are the backbone of home improvement and repair across the U.S. Whether you're fixing drywall, installing fixtures, or tackling odd jobs, your work involves physical labor, tools, and potential risks.

That’s why having the right workers compensation insurance—often called work comp insurance—isn’t just smart, it’s essential.

⚠️ What Is Workers Compensation Insurance?

Workers compensation insurance provides coverage for medical expenses, lost wages, and rehabilitation costs if an employee is injured on the job. It also protects your business from legal liability in case of workplace accidents.

For handyman businesses, this means:

• Coverage for injuries from tools, ladders, or heavy lifting

• Protection from lawsuits related to workplace accidents

• Compliance with state laws and regulations

  
  

🧰 Do You Really Need It?

If you’re a solo handyman with no employees, you might think you’re off the hook. But here’s the catch:

• Some states require coverage even for sole proprietors

• Clients may demand proof of insurance before hiring you

• Subcontractors or part-time help may trigger legal requirements

Even if it’s not mandatory, having a workers comp policy can give you peace of mind and a competitive edge.

💡 Benefits of Getting Covered with Total Work Comp

At Total Work Comp, we specialize in helping contractors—including handymen—find the best workers compensation insurance at the best price. Here’s what sets us apart:

• We work with multiple insurance carriers to find the right fit for your business

• Our agents understand the unique risks of handyman work

• We offer free quotes with no obligation

Whether you're patching walls or repairing appliances, we’ve got your back.

GET A FREE QUOTE

📞 Ready to Protect Your Business?

Don’t wait until an accident happens. Get ahead of the curve with a custom workers comp quote tailored to your handyman business.

👉 Visit TotalWorkComp.com or call us at 317-942-0549 to get your free work comp quote today.