Handyman Insurance New Hampshire

Independent insurance agency

Handyman Insurance in New Hampshire

Discover hassle-free access to affordable, high-quality Handyman Insurance with Cunningham Associates Insurance!

Insurance Quotes

Get a Handyman Insurance quote from our New Hampshire experts


At Cunningham Associates Insurance, we understand the unique challenges and risks that come with being a handyman in New Hampshire. Whether you’re fixing roofs in Portsmouth, remodeling kitchens in Manchester, or doing general home repairs in Concord, having the right insurance coverage can help protect your business, your tools, and your peace of mind.

We’ve been serving New Hampshire tradespeople for years and are proud to offer insurance guidance tailored specifically to local handymen and general repair contractors.

Handyman Insurance New Hampshire

Why Do Handymen in New Hampshire Need Insurance?

Working as a handyman means taking on a variety of jobs, each with its own level of risk. From small repairs to larger renovation projects, there’s always the chance that something could go wrong. Whether it’s accidental property damage, a client injury, or a tool theft, having insurance in place can help you manage unexpected situations.

Beyond protection, having insurance can also improve your credibility with clients and may even be required by property managers or contractors before you start work on a job site.

Get a Quote

Provide us with your details, and we’ll create a personalized quote designed specifically for your needs.


Handyman Insurance New Hampshire

What Types of Insurance Should New Hampshire Handymen Consider?

No two handyman businesses are exactly alike. That’s why it’s helpful to work with an agency that understands the local industry and can help guide you toward a coverage package that fits your needs. While every policy is unique, here are a few types of insurance that many handymen consider:

  • General Liability Insurance: This may help cover costs if someone claims you caused property damage or bodily injury.
  • Tools and Equipment Coverage: If your tools are stolen or damaged, this coverage may assist with repair or replacement costs.
  • Commercial Auto Insurance: If you use a vehicle to transport tools or materials to job sites, commercial auto coverage may be important.
  • Workers’ Compensation Insurance: If you have employees, New Hampshire law typically requires you to carry workers’ comp coverage.
  • Commercial Property Insurance: If you rent or own a workshop or office, this may provide coverage for the building and its contents.

Your actual needs will depend on the size of your business, the services you offer, and whether you work solo or with a team.

New Hampshire doesn’t mandate insurance for handymen in the way it does for certain licensed trades. However, many clients, contractors, and property managers may require proof of general liability insurance before you begin work.

If you have employees, you’ll likely need to carry workers’ compensation coverage, as required by the state. It’s also common for handymen who use personal vehicles for work purposes to need a commercial auto policy.

Even when not required by law, having insurance can provide valuable protection and may open doors to more professional opportunities.

The cost of handyman insurance varies depending on several factors:

  • The type of work you do (basic repairs vs. specialized trades)
  • Your business size and annual revenue
  • Whether you have employees
  • The value of your tools and equipment
  • Your driving history if you need commercial auto coverage

Most small handyman businesses in New Hampshire can expect to pay a few hundred to a few thousand dollars annually, depending on the coverage levels selected. At Cunningham Associates Insurance, we work to find policies that balance affordability with strong protection.

Yes, absolutely. When you work with a local New Hampshire agency like Cunningham Associates Insurance, you’re partnering with people who understand the unique landscape of the Granite State. From understanding seasonal repair trends to knowing how local building codes and regulations might impact your coverage, we offer insights that national providers may overlook.

We’re based in the community and focused on helping small business owners like you get personalized service, fast response times, and clear answers. Whether you’re just starting out or already running a thriving handyman business, we’re here to help you make informed insurance decisions.

Not all insurance policies are created equal. When reviewing your options, consider asking questions like:

  • Are subcontractors covered under my liability policy?
  • Does my tools and equipment policy offer coverage for items stored in my vehicle overnight?
  • Is my coverage portable if I work across state lines or on different job sites?
  • What is the claims process like if something goes wrong?
  • Are there any exclusions that could affect my line of work?

A good insurance partner will help walk you through these considerations and explain any policy terms you’re unsure about. At Cunningham Associates Insurance, that’s exactly what we do.

Cunningham Associates Insurance

How Do I Get a Handyman Insurance Quote in New Hampshire?

Protect your hard work with insurance solutions built for New Hampshire’s handyman professionals. Whether you’re a solo operator or managing a growing team, Cunningham Associates Insurance is here to help you find the right fit.

Contact us today to speak with one of our local agents and get started on your customized handyman insurance plan.

Get a Quote

Share your details with us, and our team of friendly agents will be in touch with you soon!