Handyman insurance in Georgia

Running a handyman business in Georgia means knowing three things: whether you need a license or registration, whether you must carry workers compensation, and what coverage your clients will require. Here is how it works in Georgia.

License and registration

Georgia does not license general handymen at the state level for ordinary repair and maintenance work. Larger residential and commercial projects above set dollar thresholds, and specialized trades such as electrical, plumbing, and HVAC, require state licensing. A handyman doing small jobs generally operates without a state license.

Bonds

There is no statewide handyman bond in Georgia, though some cities and counties require a business license or local registration. Check your local government.

Workers compensation

Georgia requires workers compensation once you have three or more employees, counting part-time and full-time. Below three you are not required to carry it, but a single serious injury can still be costly, so many small operators carry it anyway.

What it costs

With no state liability mandate, demand for general liability in Georgia comes from clients and general contractors who require proof of insurance. It remains the core policy for handymen who want steady work. For a single-person handyman business, general liability in Georgia typically runs $30 to $55 a month, or about $360 to $660 a year. Adding tools and equipment coverage, a business owners policy, employees, or a work vehicle raises the total. These are estimates, so compare a real quote for your business.