Handyman Insurance in Rhode Island
See what moves the price for handymen, then tell us about your work and we will compare quotes from several carriers.
Also for property maintenance, home repair, and odd-job services.
Prefer to talk? Call (929) 594-5450
What handyman insurance costs in Rhode Island
We do not publish a starting price for handyman insurance yet, because we have not bound enough of these policies in this class to give a real number. Your price depends on the work you actually do, sales, payroll, subcontractors and claims, so we quote it with several carriers and show you the real offers.
Most handymen who get a high quote aren't paying for the risk. They're paying for how they got classified. Your payroll, the work you actually do, and your claims move the price a lot more than your zip code does.
| Coverage | Typical cost | Notes |
|---|---|---|
| General liability | Individual quote | Priced on the work you do, sales, limits and claims. We compare several carriers. |
| Workers' comp | Priced on payroll | Required in almost every state once you have employees. Usually your biggest line once you've got a crew. |
| Commercial auto | Add-on | For the work truck or van. Personal auto won't pay a claim if you were working. |
No starting price is published for this trade. Coverage and price depend on your operations and the policy offered. This is not a quote or an offer of insurance.
What moves your price
- ✓Whether you just want general liability or add your tools and a truck
- ✓Payroll and how many people you have (workers' comp is usually the biggest line)
- ✓Your annual sales
- ✓Your claims over the last 3-5 years
- ✓Whether you touch roofing, electrical, or structural work
- ✓Your state, its licensing and bond rules, and how litigious it is
The coverage an RI handyman needs
Covers you if you damage a client's property or someone gets hurt on the job. Every GC, property manager, and permit office wants to see it, usually $1M/$2M with them added as additional insured.
Covers your tools and gear if they get stolen or wrecked, on site or in the truck. Cheap to add, and it's the loss most trades actually have.
Required in almost every state once you have employees, and most GCs want it even from subs. Priced on payroll, and usually your biggest line once you've got a crew.
Covers your work truck or van. Your personal auto policy won't pay a claim if you were working, and more job sites are asking for proof of it.
The endorsements GCs and property managers ask for before you start. We put them on the COI the day you bind.
What's different about Rhode Island
Workers' comp in Rhode Island
Rhode Island makes you carry workers' comp from your first employee.
Contractor licensing in Rhode Island
Rhode Island registers general contractors and licenses commercial builders through the Contractors' Registration and Licensing Board, and licenses the trades.
Prefer to talk? Call (929) 594-5450
Frequently asked questions
How much does handyman insurance cost?
We do not publish a starting price for handyman insurance yet, because we have not bound enough of these policies in this class to give a real number. Your price depends on the work you actually do, sales, payroll, subcontractors and claims, so we quote it with several carriers and show you the real offers.
What does a GC need me to carry?
Almost always a $1M/$2M general liability policy with them added as additional insured, workers' comp if you've got a crew, and often a waiver of subrogation. Set the policy up with a blanket additional insured and we can turn those COIs around same-day.
Do I legally need insurance as a handyman?
Once you have employees, workers' comp is required in almost every state. A lot of states and cities also won't issue or renew your contractor license or permit without proof of general liability, and sometimes a bond. And even where the law doesn't require it, no GC or property manager will let you on the job without it.
How fast can I get covered and get a COI?
Most trades bind same-day, and we send the COI the minute you bind. Often the same day the GC or property manager asks for it.
Get your quote
We know you're busy - we can get you a quote without needing hours of your time.