Handyman Insurance
Annual commercial package for handymans — GL, workers comp, commercial auto, inland marine, umbrella. Certificates within 24 hours.
- Veteran-Owned
- 100+ Yrs Experience
- Fast Certificates
- Real Agents
- Florida Experts
- Veteran-OwnedIndependent agency
- 100+ Years CombinedCommercial expertise
- Florida-ResidentDeLand, FL office
- 24-Hour COIsMost certificates same business day
Trusted Carrier Partners
Why First Commercial
Why Florida Businesses Choose Us
We focus on the commercial insurance lines that need real expertise — and we treat every client like a long-term partner, not a policy number.
Bundled Contractor Package
GL, workers comp, commercial auto, inland marine — written together.
Venue & GC Certificates
Additional insured, waiver of subrogation, primary/non-contributory wording.
Florida-Resident Agency
We know the carriers, the inspectors, and the local job-site dynamics.
Real People Answer
Same-day phone access during business hours. No phone trees.
Who we cover
Handyman is the broadest-trade-mix class in the contractor family. A typical handyman runs a mix of small repair, drywall patching, light electrical (where allowed), light plumbing, painting, and assembly work. The single largest underwriting question is license-class-mismatch: are you doing licensed-trade work without holding the license? Carriers ask explicitly and decline operations where the trade mix exceeds what the handyman can legally perform. We schedule by trade percentage and confirm scope during underwriting.
Handyman-specific exposures
- License-class-mismatch — performing trade work that requires a specialty license
- Broad trade mix means broad claim categories (electrical, plumbing, drywall, painting)
- Smaller projects mean higher transaction volume and more individual customer interactions
- Tools and equipment scheduled across multiple trades
- Customer-property damage claims from in-home service work
Coverage components for handymans
- General liability with trade-mix scheduling
- Workers compensation if employees (FL construction threshold is 1+)
- Commercial auto on trucks
- Inland marine on tools
- No coverage for trade work outside the handyman license scope
Florida handyman licensing notes
Florida does not have a state-level handyman license, but local jurisdictions may require registration. Critically, Florida law restricts the dollar-value and trade scope of work a handyman can perform without a specialty license. Electrical, plumbing, HVAC, and structural work over the threshold require the specialty contractor license. We confirm scope during underwriting.
Need a contractor certificate for a job site?
Subcontractor considerations
If you hire subcontractors, your policy is the backstop when their work causes a claim. Carriers want subcontractor agreements requiring their own GL and workers compensation, certificates from each subcontractor on file annually, and indemnity language in the subcontract that flows damages to the responsible party. Document this process during underwriting to keep your premium tight.
What affects your premium
- Annual revenue and payroll
- Largest project value handled
- Residential vs commercial vs new-construction percentage mix
- Use of subcontractors (and their coverage status)
- Claims history
- Years in business and license currency
- State of operation
- Tool and equipment value (drives inland marine)