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How much does Handyman Insurance cost? First, let’s talk about the insurance companies definition of a handyman or handy person in Minnesota. Minnesota insurance companies consider a this to be projects of short duration. A ½ day or full day project, maybe just a couple of hours make a repair. A small painting job, replace door locks, putting up some cabinets, installing a screen door, things like that. A jack of all trades, this puts you at risk, perhaps even more than a trade specific interior or exterior carpentry contractor.
You are buying Minnesota general liability insurance or handyman handy person insurance to protect you from lawsuits and other legal liabilities, that can happen from an accident. These things can happen on or off the job site. $1,000,000/$2,000,000 or more, that is how the limits of liability are expressed. The $1,000,000 is the occurrence limit. That means the maximum amount paid per claim. The $2,000,000 is the aggregate limit, meaning the maximum amount the insurance company will pay per policy year or policy term. Many times, there can also be a property damage deductible you should take in to account when purchasing Handyman handy person insurance. Common property damage deductibles are $500 – $5,000 for small to medium sized Minnesota contractors. For a more detailed definition, just click here: General Liability Insurance
Talk to one of our Minnesota insurance agents and get the right type of handyman handy person insurance business. Read our Bio, then request your quote. Complete the simple form to the right or give us a call. Just dial 952-469-0425. Let’s do business!