Handyman Insurance in Ontario

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Written by Nolan Wilson Updated on October 17, 2025 min read

Find the best handyman insurance rates

Handymen work on all projects, but should tread carefully without an insurance policy to protect them if something goes awry. While not legally required, a business insurance policy will protect you against threats and liabilities. We know you're a jack of all trades. You do everything from odd jobs to minor repairs and more for home and business owners who are not handy with tools. But one tool you need is insurance. ThinkInsure will help you assess your coverage needs and compare handyman insurance quotes.

Top things to know about handyman insurance

Handyman insurance is a customizable policy package for those offering repair and maintenance services.
While not legally required> in Ontario, handyman insurance is strong>highly recommended to protect against potential liability issues, accidents, injuries, property damage, and legal disputes.
A basic handyman insurance policy of $1 to $2 million can start at approximately $500 annually.

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What is handyman insurance?

Handyman insurance is a policy package for people offering repair and maintenance services to residential and commercial customers. Similar to contractors' insurance, it offers a combination of liability, property damage, and other financial protections for independent handymen and small repair businesses. Handymen can customize their coverage to meet their specific needs as they see fit.

Why should a handyman get insurance?

handyman installing a smoke detector on the ceiling

Anytime you work at a person's home or on their property, you must protect yourself from liability issues. You could make a mistake, and accidents could happen, resulting in injuries or property damage. You could also face legal issues if you have a dispute with a customer. You could face significant legal costs or financial loss if you don't have insurance.

What are the most common risks/threats for a handyman?

Like most businesses, working as a handyman presents several inherent risks. Here’s a list of threats to your business that can be mitigated by having insurance:

Accidental damage to a customer's property
Stolen tools, equipment, and supplies from the jobsite
Injuries to employees or other individuals
Disputes leading to lawsuits from customers

What types of home repair and maintenance companies need insurance?

If you work as a handyman or perform maintenance or repairs for others, you need insurance to protect yourself. Coverage is available for all types of handyman businesses:

Self-employed handyman
Handyman service companies
Repairman
Repair technician
Maintenance worker
Property maintenance professionals
Home repair services

What does handyman insurance cover?

handyman installing glass cabinet in bathroom.

Handyman insurance packages offer protection in four key areas. However, you can adjust your coverage to suit your specific needs, increasing or decreasing what is covered.

Tools and equipment: Tools, supplies, materials.
Property: Your office, shop, storage unit.
Liability: Liability claims, advertising and reputation harm, bodily injury, lawsuits, and legal defense costs.
Third-party property damage: Accidental damage caused by you or an employee to a customer’s property.

Handyman insurance claims examples

Example #1

You are installing some flooring at a customer's home. During the installation, you accidentally knock a collectible painting off the wall, damaging the frame and the print. Your commercial liability coverage will help cover the cost of repairing or replacing the painting.

Example #2

You park your tool trailer in a customer's driveway overnight because you will be working onsite for multiple days. In the morning, you see the lock has been broken, and your tools are missing. Your insurance will help cover the cost of replacing the stolen tools.

What type of insurance coverage does a handyman need?

Handyman insurance coverage is customizable. At a minimum, policies typically include Commercial general liability insurance. You can then add some or all of these coverages based on your needs:

Tools and equipment protection: Get protection for your tools' loss, damage, or theft.
Errors and omissions insurance: Mistakes and accidents happen on the job. Be protected if you or an employee makes an error.
Surety bonds: Ensure you meet requirements to secure new projects.
Commercial property insurance: Protect your shop and storage locations.
Commercial auto insurance: Coverage for your work trucks. Get Fleet insurance if you have multiple vehicles.
Equipment breakdown insurance: Have coverage if your equipment unexpectedly requires repairs.

How much does a handyman insurance policy cost?

For basic handyman insurance coverage, a $1 to $2 million policy can start at approximately $500 annually. Rates increase as you add more coverage. Insurance companies assess several factors to determine your risk and policy price. These include:

The number of employees, or if you operate independently
The types of services offered (commercial, residential)
Your years of experience
The tools and equipment you own
Your current and projected annual revenue
Your insurance claims history

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Handyman insurance FAQs

Is handyman insurance legally required in Ontario?

Handymen are not legally required to have insurance. However, ensuring you have legal and financial protection in place is highly recommended if something goes wrong on a job.

How do I get the cheapest handyman insurance?

Speak with an experienced commercial insurance broker to assess your insurance needs and explore your coverage options. Remember, cheapest isn’t always best. Focus on finding the appropriate level of protection based on your work type.

Is there a difference between handyman insurance and contractor insurance?

Contractor's coverage and handyman insurance are very similar. They are packages designed for independent or self-employed professionals. Coverage can differ based on the type of work you do and the size and scope of your business.

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Nolan Wilson

Content Marketing Manager

Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.

Handyman Insurance

Save on handyman insurance in Ontario and protect your repair or maintenance business for a lower rate.