Best Handyman Insurance of 2025: Huckleberry Takes the Top Spot
Investopedia’s research into 17 small business insurance companies has determined that Huckleberry is the best overall choice for handymen. The evaluation considered factors like customer service, financial strength, and the breadth of coverage options offered.
Key Findings:
- Best Overall: Huckleberry
- Best Customer Satisfaction and Coverage Options: CNA
- Best for Vehicle Coverage: Travelers
- Best for Short-Term Coverage: Thimble
Why Huckleberry?
Investopedia’s analysis highlights several advantages of choosing Huckleberry for handyman insurance. The company stands out as a streamlined provider, offering high liability limits and a positive customer experience, evidenced by a low rate of customer complaints. Huckleberry provides access to digital tools, including online quotes and a digital certificate of insurance.
Huckleberry offers up to $2 million in professional liability coverage, making it a strong choice for protecting your business from potential lawsuits.
Pros:
- Fewer customer complaints for commercial liability insurance
- High coverage limits for general and professional liability insurance
- Convenient digital tools
Cons:
- Limited protection for transported property
- No surety bonds offered
- No online claims filing
Exploring the Competition
CNA earns recognition for its strong customer satisfaction record and comprehensive coverage options, including business owner’s policies, commercial auto insurance, and various inland marine policies. However, it lacks digital proof of insurance and live customer service chat.
Travelers excels regarding commercial auto coverage, providing solid protection for vehicles and equipment. It also offers a variety of coverage options for transported property. A notable downside is that quotes require contacting an agent directly.
For handymen needing flexible, short-term liability coverage, Thimble is a good choice. It allows users to purchase liability insurance by the job, month, or year and provides digital proof of insurance and online claims. Although it offers digital convenience, it lacks commercial auto and inland marine coverages.
Methodology
Investopedia’s selection of the best handyman insurance companies involved evaluating 17 companies based on 41 criteria. The research, conducted between March 3 and March 20, 2025, included a review of financial strength ratings from AM Best, customer satisfaction ratings from J.D. Power’s 2024 Small Commercial Insurance Study, and complaint data from the National Association of Insurance Commissioners. The evaluation weighted factors like coverage limits, plan types, customer complaints, financial strength, digital features, and discounts.
Note: Professional liability insurance can protect handymen against claims from clients alleging negligence, mistakes, or misrepresentation in their work. While general liability insurance covers bodily injury or property damage, it doesn’t protect handymen against financial risk from claims of subpar work or professional errors.
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