Are you licensed and insured, and what does that cover for me?

What handyman service businesses need to publish

Handyman licensing genuinely differs from the licensed trades, and a customer who assumes equivalence is exposed in a way they do not realise.

How customers actually ask it

The same intent arrives in wording your page probably does not use. All of these mean the same thing:

  • “Are you licensed and insured, and what does that cover for me?”
  • “is a handyman licensed”
  • “are you bonded”
  • “what if you damage something in my house”

What a complete answer contains

For handyman service businesses specifically, an answer is only complete when it covers all 5:

  1. 1

    The honest position on what a handyman registration is and is not, versus a trade licence

  2. 2

    General liability coverage and what it means if something in the home is damaged

  3. 3

    Workers' compensation, and why it matters to the homeowner specifically — injury liability on their property

  4. 4

    That work requiring a trade licence is subcontracted or referred, not performed anyway

  5. 5

    That a certificate of insurance can be produced on request

A worked example

Illustrative — not a real business

We carry general liability and workers' compensation, and we will send the certificate before we start if you want it. Workers' comp is the one that matters to you: without it, an injury on your property can land on your homeowner's policy. To be precise about licensing — we hold the local handyman registration, which is not the same as an electrical or plumbing licence, and we do not pretend otherwise. Anything needing one of those gets referred to a licensed trade.

Which page should own it

Licensing and insurance page

What silence costs

Saying this plainly wins the cautious customer outright, because almost no competitor distinguishes registration from a trade licence.

More questions handyman service businesses get

Related

Does your site answer this already?

Point RubyRep at your website and ask it this exact question. If it cannot answer, neither can your customers.

https://

Takes about a minute.