California · Handyman services
Handyman insurance in California
General liability, tools and equipment coverage, commercial auto, and workers’ comp once you bring on help. We place California handyman businesses whose multi-trade work confuses standard small-business policies.
In California a handyman can work without a CSLB license only on jobs under $500 in combined labor and materials; above that, the work requires a contractor license.
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Why Setpoint for Handyman services?
We write the multi-trade exposure — a bit of plumbing, electrical, carpentry, and drywall — that single-trade policies don’t fit.
Independent and specialty-focused — we shop the surplus lines markets retail agents can’t reach directly.
Tools covered on the road and on site so a stolen kit doesn’t stop your jobs.
Common questions
Frequently asked questions
What insurance does a handyman need in California?
A California handyman typically carries general liability, tools and equipment (inland marine) coverage, and commercial auto, plus workers’ compensation once anyone helps on jobs. Because the work spans several trades, a policy that contemplates that mix matters more than a single-trade form.
Do I need a license to work as a handyman in California?
You can perform jobs under $500 in combined labor and materials without a CSLB license; anything above that threshold legally requires a contractor license. Insurance is separate from licensing — clients and property managers often require a liability certificate regardless of job size.
Does a handyman need workers’ comp in California?
If anyone works for you — even occasional help — workers’ compensation is required. A solo unlicensed handyman with no employees generally isn’t mandated to carry it, but many clients still ask for proof of liability before hiring.
Are my tools covered if they’re stolen from my truck?
Hand tools and power tools are covered under inland-marine (tools and equipment) coverage, not by general liability. Theft from a vehicle is a frequent handyman claim, so it’s worth confirming the limit and whether the policy covers tools away from a fixed location.
How much does handyman insurance cost in California?
Cost is driven by the trades you take on, whether you have any helpers, the value of tools you schedule, your vehicle use, and your loss history. Adding higher-risk work like roofing or electrical changes the rating, so an honest description of your jobs produces a fair quote.
Other trades we cover
See all industries we insure or the coverage we place.
Tell us about your operation
Send a few details about your business and where you are in your policy term. Non-renewed or post-claim? That's our specialty — it won't shock us.