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Get DirectionsIf you are considering operating a handyperson business in Midland, TX, you may be wondering whether commercial insurance is required. At Ledford Insurance Agency, we have the answers to that question, and more.
About Commercial Insurance
If your handyperson business provides services for minor repairs, the state does not require you to have insurance. If your services include areas such as roofing, electrical, plumbing, or HVAC systems, insurance and the proper license are required.
Some clients, such as a large commercial company, may require insurance before allowing you to work on their project.
All vehicles used as part of your business must carry a commercial auto policy.
Recommended Insurance for a Handyperson Business
Several insurance types are recommended when operating a handyperson business. These include liability insurance, commercial auto insurance, tools and equipment insurance, and workers’ compensation insurance.
Liability Insurance
This insurance covers the costs of accidental property damage or injuries you cause in the course of your work.
Commercial Auto Insurance
Commercial auto insurance is for any vehicles you use for business purposes. This policy is separate from your personal auto insurance.
Tools and Equipment
This insurance covers items such as power tools and hand tools. It protects against vandalism, accidental damage, theft, and fires. It can also pay for repairing and replacing tools and equipment.
Workers’ Compensation
Whether they’re full-time or part-time, you are required to have workers’ compensation for employees. When an injury occurs on the job, this insurance covers the employee’s lost wages and their medical expenses.
Contact Us
When you are ready to get your handyperson business in Midland, TX, up and running, contact our team at Ledford Insurance Agency for the right insurance coverage.