
Choice Insurance Agency
Handyman Insurance in Massachusetts
Offering customized insurance solutions in Massachusetts and beyond.
What is handyman insurance?
Handyman insurance is a type of business insurance designed to protect professionals who perform repair, maintenance, and other handy services. It typically includes several types of coverage tailored to safeguard your business, tools, and clients. For handymen in Massachusetts, this insurance ensures you’re covered if accidents, damages, or lawsuits occur while on the job.
What does handyman insurance cover?
Handyman insurance in Massachusetts typically provides several essential coverages:
- General Liability Insurance: Covers property damage and bodily injury claims. For instance, if you accidentally break a client’s window or someone trips over your tools, this coverage helps cover the related expenses.
- Tools and Equipment Coverage: Protects your tools and equipment from theft, loss, or damage. This ensures that you can quickly replace essential items and keep your business running smoothly.
- Workers’ Compensation Insurance: If you have employees, this coverage is required by law in Massachusetts. It provides benefits for medical expenses and lost wages if an employee gets injured while working.
- Commercial Auto Insurance: If you use a vehicle for work, this coverage protects you in case of accidents or damage related to business use.
- Professional Liability Insurance: Also known as errors and omissions insurance, it protects you if a client claims you made a mistake or didn’t deliver services as promised.
Quotes Available in Massachusetts & Other States

Words from our Clients
Gained a customer for life.
Moved all my personal lines of insurance over to Choice. They found me a set of policies that saved me over $1000/year. Then, Julie took care of my commercial line, jumped through so many hoops and got me a policy for my business at an amazing rate.
Great people, great insurance, great advice, great price.
Choice insurance has been providing insurance coverage to our commercial real estate business for over 7 years and the service has been tremendous. Peter has always responded quickly and with incredibly aggressive pricing; and with a perspective to assure that we are fully covered for all potential issues without unnecessary coverage and fees. There is such a comfort when working with Peter and his company that our best interest is their top priority.
I have been a happy customer of Choice Insurance for 12+ years. Peter and the team have been fantastic — always professional and knowledgeable about supporting my business insurance needs as well as our personal, home, car, and condo insurance needs. Peter has helped us with insurance questions related to buying and selling homes, a flood insurance claim, a tree that almost fell on our house and destroyed our fence, and a car accident. Recently, Peter noticed that our condo insurance (inherited from the prior owner) was severely inadequate. He helped us switch to a much better policy within less than a day. And, thank goodness he did. A couple weeks later, I smelled gas outside our home. It was a gas leak that National Grid fixed right away. But, I slept more soundly that night knowing that if the worst had happened, we would be fully covered thanks to Peter! I can’t recommend Choice enough!
This is our third policy with Peter, he’s awesome!! We started with a policy for a commercial space and added a home insurance and auto policy because of the quality of service that we received.
We highly recommend Choice Insurance Agency for competitive pricing and transparency. Want a great policy and customer service experience look no further.
Peter and his team are thorough and have a strong sense of urgency for all matters pertaining to our account. Each time we reach out for assistance, our expectations are exceeded. I would recommend his team to anyone.
I switched to Choice 10 years ago and with 2 teenage drivers we interact frequently. Every time they have made the process quick and effortless. My family and I could not be more pleased.
Are subcontractors covered under my handyman insurance policy?
Subcontractors are typically not covered under a standard handyman insurance policy unless explicitly stated. In most cases, subcontractors need to carry their own insurance to ensure proper coverage. However, some policies allow you to add subcontractors as additional insureds, which may increase your premium. If you frequently hire subcontractors in Massachusetts, check with your insurer to clarify their coverage options and avoid potential gaps.
Does self-employed handyman insurance cover HVAC or electrical work?
Standard self-employed handyman insurance may not automatically cover high-risk work like HVAC or electrical jobs. These types of work often require specialized coverage due to the increased risk of accidents or damages. If you perform HVAC or electrical services in Massachusetts, it’s important to disclose this to your insurer so they can customize your policy accordingly. Failing to do so could result in denied claims if something goes wrong during these tasks.
Can I get short-term handyman insurance for specific projects?
Yes, short-term handyman insurance is available for specific projects. This type of policy provides coverage for a set period, typically ranging from a day to a few months. It’s ideal for freelancers or those taking on occasional jobs in Massachusetts. Short-term insurance can cover liability risks and tools while you’re working on the project, offering flexibility and protection without committing to a long-term policy.

Can handyman insurance provide coverage for side jobs or freelance work?
Handyman insurance can cover side jobs or freelance work, as long as the activities fall within the scope of your policy. If you’re self-employed in Massachusetts and take on occasional gigs, make sure your insurer knows the type of work you’re doing. This ensures that your policy adequately covers all your activities. It’s important to note that operating without proper coverage, even for side jobs, could leave you exposed to significant risks.
What factors affect the cost of handyman insurance in Massachusetts?
The cost of handyman insurance can be influenced by several factors, including:
- Business Size and Scope: Larger businesses or those offering a wider range of services may face higher premiums due to increased risks.
- Location: The area in which you operate affects the cost, as areas with higher crime rates or more frequent natural disasters may lead to higher premiums.
- Claims History: A history of past claims may increase premiums, as insurers may see you as a higher risk.
- Coverage Limits and Deductibles: Higher coverage limits or lower deductibles generally result in higher premiums.
- Experience and Training: Handymen with more experience, certifications, or specialized training may qualify for lower rates.
- Number of Employees: The more employees you have, the higher the cost, as insurers take into account the added risk of multiple workers.
- Type of Work Performed: The nature of the tasks you take on (e.g., plumbing, electrical work, carpentry) can impact the cost, as certain jobs carry higher risks.

How can businesses in Massachusetts obtain handyman insurance?
Reach out to the independent agents at Choice Insurance for a fast quote on handyman insurance in Massachusetts. Our team understands the unique needs of handymen and can help you find tailored coverage that protects your business, tools, and projects. Whether you’re self-employed, hiring subcontractors, or taking on specialized work, we’ll ensure you get the right policy at a competitive rate. Don’t leave your business exposed—get the protection you need to work confidently and focus on what you do best. Contact Choice Insurance today to get started!
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