Yes, if the handyman has employees. California law mandates workers’ compensation coverage even if there is only one employee.

You may need a contractor’s license for certain project values. Insurance providers often require licensing, especially when job values exceed thresholds or if required by state law.

Ways to reduce costs include increasing deductibles, bundling policies, choosing safer or lower-risk services, getting multiple insurance quotes, and maintaining a clean claims history.

High-risk services like roofing, electrical, major plumbing, or anything involving heights tend to raise premiums because the chance of injury or damage is greater.

Exclusions often include intentional damage, work beyond the handyman license or allowable scope, unlicensed major construction, damage to customer’s own work if excluded, and sometimes certain extreme risks.