Business insurance designed for handyman business in Wisconsin
NEXT makes business insurance unbelievably easy and affordable. Our coverage is tailored for handyman business so you know you’re getting coverage that was designed with you in mind. Insurance coverage for handyman business in Wisconsin often include:
- General liability
- Professional liability
- Tools & equipment
- Commercial property
You can save up to 25% in discounts on Handyman insurance
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
General Liability
Per occurrence
$300,000
Tools & Equipment
Per occurrence
$3,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$5,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$10,000
Commercial Property
Per occurrence
$25,000
We specialize in providing the right type of handyman insurance for small businesses in Wisconsin
NEXT is made for entrepreneurs, hustlers and handyman business owners in Wisconsin who like to stay covered and save money.
General Liability
Protection for the injuries, accidents and damage you cause
General liability insurance provides financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. General liability might be required for a handyman license in your state, and it’s common for clients to ask for proof of coverage. General liability for handyman includes contractors’ E&O, or professional liability coverage, which can help cover costs in a business disagreement.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Contractors’ E&O
Coverage against business mistakes and claims of negligence
Errors and omissions insurance for handyman business (also known as professional liability) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of improperly installing a door and someone breaks into the building and steals equipment, your handyman business insurance policy could help cover related expenses.
professional liability can help you pay for:
Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Tools & Equipment
Protection for your gear and equipment
Tools and equipment coverage makes sure your handyman gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If you don’t own or lease property and regularly take expensive gear to a job site, tools & equipment insurance for handymen offers protection against damage or theft. This coverage is available as an add-on to our general liability insurance.
inland marine can help you pay for:
Equipment owned by you
Employee tools and clothing
Borrowed equipment
Commercial Property
For business owners who own or rent physical spaces
Commercial property insurance can help protect your handyman business equipment, inventory and your building if you own it. If you own real estate where you store equipment, commercial property insurance provides coverage for your handyman equipment while it’s on the premises, as well as for the building itself.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
How much should a Handyman in Wisconsin expect to pay for insurance?
Your handyman insurance costs in Wisconsin will be tailored to your business. Several factors will impact the price you pay, including:
- Your claims history
- How high you set your limits
- Your work experience
- How many people you employ
A handyman in Wisconsin usually pays about $22 each month for a business insurance policy.†
With coverage built for more than 1,300 small business professions, NEXT offers you the right small business insurance at the right price, no matter what you do.
How important is it for a Handyman in Wisconsin to have business insurance?
We know building a small business is an investment. To protect that investment, handyman businesses in Wisconsin need insurance to avoid financial losses. Business insurance can protect your from:
- Lawsuits. Without insurance, you might have to pay entirely out of pocket after an accident or mistake.
- Damage to the physical items you need to do business.
- Claims of work mistakes or negligence.
- Injuries if an employee gets hurt on the job. Insurance can pay for medical expenses and help cover lost wages.
NEXT is dedicated to helping you find the affordable handyman insurance coverage you need to stay protected, meet legal requirements and satisfy your customers.
Frequently asked questions about handyman business insurance
Here are some of the most common questions we get about handyman insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
Does NEXT Insurance offer handyman business insurance in Wisconsin?
Yes, NEXT Insurance offers tailored handyman business insurance in Wisconsin.
Does NEXT Insurance cover my handyman business insurance in Wisconsin for Workers’ Compensation?
Yes, NEXT Insurance covers handyman business in Wisconsin for General Liability, Professional Liability, Tools & Equipment, and Commercial Property.
How does business insurance protect handymen and handywomen?
Our handyman business insurance packages are designed to protect you from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:
Damage to someone’s property
If you’re working in a rental unit and you accidentally shatter an expensive vase, the general liability coverage in your insurance package could help pay for a replacement.**Accidents that hurt someone
You put out the appropriate warning signs, but someone still trips and falls over the extension cord for your drill. Your general liability coverage could also come into play here by helping to pay for medical costs and legal fees.Professional mistakes
A small apartment building claims you installed the wrong carpeting, which causes a loss in rental income. E&O insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.Workplace injuries
You pull a muscle while carrying lumber up a narrow staircase and can’t work for three weeks. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.Injuries and damage involving your business vehicles
Your work truck accidentally clips someone’s fender while backing out of a tight parking spot. Commercial auto insurance coverage can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.Theft or damage to your tools
An unexpected storm soaks your power tools mid-way through a project. You can choose to add tools and equipment insurance to your general liability coverage to help pay for replacement and repair costs.Handyman, General Contractor, Electrician: What Policy Do I Need?
Many professionals like you aren’t quite sure which policy is right for them. Are you a handyman who needs general liability insurance for handyman services, or do you need a policy for appliance installation, or maybe a flooring installer?
If multiple categories in our menu fit your business, you should fill out our general contractor insurance application, and check off all the work categories that are relevant to you.
If the types of work that you do aren’t included in the application, they’re not eligible for coverage at this time.
Is this policy good if I contract for multiple projects?
Yes. As long as all of the work fits within the description and limits of the policy you purchase, you’re covered to work for multiple clients.
It’s important to be as accurate as possible when sharing details about the work you do during the quote process so you have the right coverage.
I’m a jack-of-all-trades - what policy do I need?
We have a couple of policies that could be right for a jack or jill of all trades.
Our handyperson policy might be the best fit if you offer minor repair or maintenance services. This policy is limited to small jobs and is not a fit for jobs that might require a license, permit or inspection at any point.
If your operations are a little bit larger in scale, or if you have a specialty, we recommend taking a look at our general contractor application, where you will have the opportunity to add coverage from a list of coverable activities.
Note: All of our policies require that you have the legally required licenses for the work you’re doing in your state, so be sure to check in to make sure you are compliant.
What do I need to get an insurance quote online?
It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work.
You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.
How can I get a certificate of insurance (COI)?
Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.
How do you file an insurance claim with NEXT?
If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.
Get customized insurance wherever you do business
Learn more about insurance options in the states where you work.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
More professions that are covered by NEXT
Appliance Technician, Building Sign Installation, Carpenter, Concrete Contractor, Debris Removal, Drywall Contractor, Electrician, Excavation Contractor, General Contractor, Glazier, Handyman, HVAC Contractor, Home Renovation Contractor, Mason, Insulation Contractor, Painters, Paving and Asphalt Contractor, Plastering and Stucco Work, Plumber, Roofing, Siding Installation Contractor, Welding, Tile, Stone and Flooring Installer, Waterproofing
*To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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Number of businesses insured
Statistics as of November 2023