Handyman Insurance in Kentucky
We provide Handyman Insurance solutions to businesses in Kentucky, Virginia and Florida
Learn More About Handyman Insurance from Holly McMillin Insurance Group
Running a handyman business means being ready for anything—from small household repairs to large renovation projects. At Holly McMillin Insurance Group, we help independent contractors and self-employed handymen in Kentucky protect their livelihood with coverage that fits the unique risks of your trade.
Whether you’re fixing drywall, installing fixtures, or managing multiple clients, we’ll help you find the right handyman insurance policy that keeps your business secure and compliant.
What Is Handyman Insurance and Why Does It Matter?
Handyman insurance is a specialized form of small business insurance designed for professionals who perform repair, maintenance, and improvement work. It’s essential because even small projects can come with big liabilities—accidental damage, on-site injuries, or tool theft can create unexpected costs that impact your business and reputation.
A typical handyman insurance policy may include general liability coverage, property coverage, tools and equipment protection, and business interruption insurance. At Holly McMillin Insurance Group, we customize these protections to your scope of work, whether you’re a solo handyman or managing a small crew. The right coverage helps you work confidently, knowing you’re protected from life’s unpredictable moments.
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“I have much of my home and auto insurance through McMillin Insurance Group and couldn’t be happier. I recently had to file an auto claim and it was handled very professionally and efficiently, and always executed to my satisfaction. Holly and all her staff are excellent!”
“Holly and her team have provided nothing but professional, friendly and excellent service for the past 5 years. We have expanded over the years and Holly is always quick to jump in and guide us through the options. And wonderful friends to boot!”
“Holly McMillin was very helpful, initialing providing advise and obtaining our current insurance provider. Over past years, Holly, has always been available for questions, and keeping current policies updated. Very professional company.”
“We recently switched our home and auto insurance to Holly McMillin Insurance Group. Not only did we save money, we are receiving better coverage (we were under-insured and had no idea until Holly educated us). Holly and her team have been so easy and kind to work with – they made the process seamless.”
“Working with Holly McMillin Insurance Group was incredibly sufficient, easy and a great local business in our small town. The staff members were so helpful and genuine!”
Why Do Self-Employed Handymen in Kentucky Need Insurance?
If you’re self-employed, your business relies entirely on your ability to work. One accident or lawsuit could threaten your income or even shut down your operations. That’s why self-employed handyman insurance in Kentucky is more than just a formality—it’s peace of mind.
Clients and property managers often require proof of insurance before hiring. Having the right policy not only helps you land more jobs but also shows you’re a responsible professional who takes safety seriously. From home repairs in Louisville to renovation projects in Lexington, Holly McMillin Insurance Group provides coverage that meets local requirements and adapts to the realities of Kentucky’s handyman industry.
What Types of Coverage May Be Included in Handyman Insurance?
Every handyman business is different, which means no single policy fits all. A flexible handyman insurance package may include the following options:
- General Liability Insurance: Protects against property damage or bodily injury claims caused by your work.
- Tools and Equipment Coverage: Helps replace or repair tools that are stolen, lost, or damaged on the job.
- Commercial Auto Insurance: Covers work vehicles and tools while driving to job sites.
- Workers’ Compensation: Required in many cases if you have employees; helps cover injuries sustained on the job.
- Professional Liability Insurance: Provides protection if you’re accused of making an error that causes financial loss to a client.
Our team at Holly McMillin Insurance Group helps you tailor these options to fit your business structure and budget—so you only pay for the coverage you need.
How Does Handyman Insurance Protect You from Everyday Risks?
Even the most careful professionals face unexpected challenges. A ladder slip could damage a client’s property, or a misplaced tool could cause injury. Without coverage, those costs fall on you.
Handyman insurance helps manage these risks by covering the financial burden of claims, repairs, or legal fees. For instance, if a client claims your work caused water damage, your liability coverage may pay for repairs and defense costs. If your tools are stolen from your truck, equipment protection may help you replace them quickly so you can get back to work.
At Holly McMillin Insurance Group, we understand the day-to-day realities of working with your hands. Our agents make sure you’re prepared for what’s ahead—so one mistake doesn’t derail your success.
What Makes Holly McMillin Insurance Group a Trusted Choice in Kentucky?
As a locally based agency, we understand the unique insurance needs of Kentucky’s self-employed handymen and contractors. We know that not all work is the same—painting a fence in Bowling Green isn’t the same as remodeling a kitchen in Owensboro. That’s why we take the time to learn about your business, your customers, and your risk exposure.
When you partner with Holly McMillin Insurance Group, you’re not just buying a policy—you’re gaining an advocate. We work with top insurance carriers to find affordable options that offer dependable coverage, personalized support, and quick claims service. You’ll always speak to a real person who cares about your business and your reputation.
How Can You Customize Your Self-Employed Handyman Insurance?
Flexibility is key for independent tradespeople. Whether you operate full-time, part-time, or seasonally, your coverage should adapt as your workload changes. We make that easy.
At Holly McMillin Insurance Group, you can choose from multiple coverage levels and deductible options. For example, you might start with general liability and tools coverage, then add commercial auto or workers’ compensation as your business grows. You can also update your policy anytime—no need to wait for renewal.
We’ll help you understand what’s required under Kentucky law and what additional protections might benefit your situation, such as inland marine coverage for equipment or umbrella insurance for added peace of mind.
How Do You Get Started with Handyman Insurance in Kentucky?
Getting covered shouldn’t be complicated. Our process is simple and straightforward:
- Reach Out: Contact Holly McMillin Insurance Group online.
- Tell Us About Your Work: We’ll ask about your services, tools, and job types.
- Get Personalized Quotes: We compare policies from top insurers to find the best combination of price and protection.
- Review and Choose: You decide what fits your needs and budget—we’ll handle the paperwork.
From your first project to your fiftieth, our team stands beside you with coverage that grows as you do. When your business changes, your insurance can change with it.
Why Wait? Protect Your Handyman Business Today
Your work keeps Kentucky’s homes and businesses running smoothly. Let Holly McMillin Insurance Group keep your business running just as strong. Whether you’re new to the trade or a seasoned pro, we’ll help you secure affordable, dependable handyman insurance that fits your goals.
Request a quote to learn how easy it is to get handyman insurance in Kentucky. Because the best foundation for any project is peace of mind.
Get in touch with our team!
For questions or concerns, please get in touch!
Tel: (859) 987-1440
Email: info@hollymcmillininsurance.com
807 Main Street, Paris, Kentucky 40361
Mon-Thurs 9am-5pm; Fri 9am-4pm