GL Cost Guide

What does general liability insurance cost for a handyman?

If a GC or property manager asks for a certificate of insurance before you can start the job, this page is for you. Plain ranges from published carrier data — not a quote.

Affiliate disclosure: If you use the “get a quote” button, we may earn a commission when you complete a quote or buy a policy through our partner. That does not change your price. We are not an insurer, agent, or broker, and we do not sell insurance.

Typical GL cost (US handymen)

~$55–$81 / month

Roughly $660–$978 per year for a standard general liability policy. Your number will move with state, services, revenue, and claims history.

Source	Published figure	Notes
Simply Business	$55 / month median	Handyperson customers who bought GL (and/or tools / workers’ comp) Jul–Dec 2024
Insureon	$81 / month average ($978 / year)	$1M per occurrence / $2M aggregate, $500 deductible; median of handymen who bought through Insureon (page updated Jul 31, 2026)

Sources: Simply Business — How much does handyman insurance cost; Insureon — Handyman insurance cost. Figures are published averages/medians, not a quote for your business.

State averages also vary a lot

Insureon publishes state pages with average monthly GL for handymen who buy through them. Examples:

State	Avg GL / month
Tennessee	$57
Florida	$98
California	$113
New York	$199

Sources: Insureon TN, FL, CA, NY.

What usually moves the price

Higher-risk tasks (roofing repairs, electrical, plumbing) cost more than light residential fixes.
Employees or subcontractors raise exposure and often the premium.
Annual revenue and payroll are common rating factors.
Clients often require $1M / $2M limits — the same limits in the Insureon average above.
A COI (certificate of insurance) is proof of the policy; most buyers get one the same day they bind coverage.

Factors summarized from Insureon’s handyman cost page (same link as above).

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