Texas Handyman Insurance — Fast COI

General liability for handyman contractors in Texas. Quote and bind online for one job or a full year. Get your certificate the same day.

Handymen & Repair Contractors
Same-Day COI
A-Rated Carriers
$1M / $2M Limits
Per-Job or Annual

Get My Quote Online
Per-Job Quote (Thimble)
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Annual policy: NEXT Insurance · Per-job / short-term: Thimble · Boerne / San Antonio: 210-640-7050

What Coverage Does a Handyman Need?

General Liability

Covers bodily injury and property damage to third parties — a homeowner, tenant, or GC — caused by your work or operations. Required by most clients, property managers, and apartment complexes before you step on site.

Completed Operations

Protects you after the job is done. If a repair you made causes damage days or weeks later, completed operations coverage responds. This is especially important for plumbing repairs, fixture installs, and carpentry.

Additional Insureds

Property managers, HOAs, and GCs frequently require you to add them to your policy. We handle the endorsements so your COI is accepted the first time — no back-and-forth.

Waiver of Subrogation

Required on most Texas commercial property and apartment contracts. Not all online policies include it automatically — our specialists add it correctly when needed.

Workers’ Comp

Required when you have employees. Covers medical bills and lost wages for workers injured on the job. Texas does not mandate it for most employers, but clients and GCs often require proof before allowing workers on site.

Tools & Equipment

GL does not cover your tools or equipment — only third-party claims. If protecting your own tools matters, ask about inland marine or equipment floater coverage as an add-on.

Handyman-Specific Risk: Property Damage Claims

Handymen work across a wide range of tasks — drywall, plumbing repairs, flooring, fixture installs. That variety creates frequent property damage exposure. A cracked tile, water leak from a loose fitting, or scratched hardwood floor can result in a claim quickly. GL is the baseline protection. Make sure your policy includes completed operations coverage, not just premises liability.

What Does Handyman Insurance Cost in Texas?

Typical annual premiums for a Texas handyman contractor with no prior claims:

GL Only — Solo

$600–$1,100

per year

GL — Small Crew

$1,200–$2,200

per year

Per-Job (Thimble)

$15–$60

per day / job

Workers’ Comp

$4–$8

per $100 payroll

Prior claims, subcontractor use, or commercial property work may affect pricing. Monthly payment options available on most policies.

Who This Is For

Residential Handymen

Homeowner repairs, honey-do lists, minor remodels. Most residential handymen qualify for online binding with same-day COI through NEXT or Thimble. No complex underwriting for standard operations.

Property Management Vendors

Many Texas property managers and HOAs require $1M GL minimum before approving vendors. We can get the COI with the property management company added as additional insured — fast.

Occasional / Side-Job Contractors

If you work a few jobs a month, an annual policy may cost more than you need. Thimble’s per-job or short-term GL lets you pay only for the days you’re working.

Multi-Trade Operators

Handymen who do light plumbing, electrical, carpentry, and painting in one visit. We know which carriers cover broad handyman operations and which exclude certain trades — we route you correctly.

How It Works

Answer Questions

Trade type, operations, prior claims. Takes 5 minutes for simple situations. No phone call required.

Get Your Quote

Instant pricing from A-rated carriers. Annual through NEXT, per-job through Thimble.

Bind & Get COI

Pay online, download your certificate the same day. Ready for your next job.

Need specific wording, additional insureds, or WC? Use the specialist path — we review and get the COI right the first time.

Common Questions

Do I need a license to get handyman insurance in Texas?

No license is required to purchase GL insurance. However, Texas does require licenses for specific trades — electricians, plumbers, and HVAC technicians must be licensed through TDLR. Carriers will ask about your trade classification, and unlicensed work in a licensed trade can affect your coverage.

What limits do I need as a handyman in Texas?

Most residential clients and property managers require $1M per occurrence / $2M aggregate. Commercial clients, apartment complexes, and HOAs often require the same. Some larger projects or government work may require higher limits. Check your contract before buying.

Can I get covered today for a job starting tomorrow?

Yes — for most standard handyman operations with no prior claims, you can bind online and download your COI within minutes. Thimble also offers same-day per-job coverage. If the job requires specific wording or endorsements, call us and we’ll expedite.

Does GL cover damage I accidentally cause to a client’s home?

Yes — GL covers property damage to third parties caused by your work, including completed operations. It does not cover damage to the specific work you performed (that would need a separate policy), and it won’t cover your own tools or vehicle.

I work for multiple property management companies — can one policy cover all of them?

Yes. A single annual GL policy covers your operations regardless of which client or property you’re working at. You can add each property management company as an additional insured on the same policy, usually at no extra cost or a small endorsement fee.

Is per-job coverage through Thimble legitimate insurance?

Yes. Thimble is an A-rated carrier offering short-term GL policies recognized by most residential and light commercial clients. Some larger GCs or commercial property managers may require an annual policy — if your client rejects the COI, we can switch you to the annual lane quickly.

Ready to Get Your COI?

Quote online in minutes or talk to a Texas specialist for complex situations.

Get Quote Online
Per-Job Quote (Thimble)
Talk to a Specialist

Boerne / San Antonio: 210-640-7050 · Specializing in TX contractor GL & WC since 2010