Insurance for California Handyman businesses

The range of small jobs is exactly why the insurer needs to know what you do and what you decline.

Repair services, helpers, and job scope

List repair, assembly, carpentry, painting, flooring, and other services. Disclose any roofing, electrical, plumbing, or structural work.

Insurance does not replace licensing requirements. Review current CSLB rules and keep each job within the authority of the business.

Excluded services and job limitations

  • Excluded trades and project types.
  • Job-size or scope limitations.
  • Occupied-property damage.
  • Helpers and employee status.

Repair work, helpers, and excluded services

A broad repair business should list the services it performs, including plumbing, electrical, roof, or structural work. Compare those services with excluded trades and any job-size restrictions.

Identify helpers and how they work for the business before assuming they are independent contractors. Review employee injuries, occupied-property damage, business driving, and tools separately from licensing eligibility.

Information for your quote

  • Services and annual revenue
  • Employees and helpers
  • Largest job
  • Current coverage

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