News

Tuscano has long been known as a General Liability market for Artisan Contractors. As such, we recognize the fact that in today’s economy many skilled contractors have shifted (voluntarily or involuntarily) from working for a contracting company to establishing their own businesses. Many of these businesses can be classified as “Handyperson” operations.
The Handyperson job may start out as a task classified under one GL code but expand to several classes when the contractor is asked to perform other small jobs after the initial task is complete, earning them the title of “multi-tasking” contractors. With so many of these Handyperson businesses now established, it is time to redefine the classification and address the issues unique to the business.

Who is Considered a “Handyperson”?

The handyperson classification applies to an insured who is not licensed in a particular trade or trained as a professional artisan, but is in the business of being hired to do a variety of miscellaneous work for others, usually involving minor repairs, maintenance or simple installations in a household or commercial environment. In some jurisdictions a “Handyperson” must be licensed or obtain a permit. Except for certain excluded activities, work under these licenses would be included as part of the “Handyperson” classification. A handyperson usually works alone, and any employee payroll should be nominal. The handyperson should not have a significant independent contractor exposure.

If you have questions about the Handyperson class or contractors in general the Small Business Unit at Tuscano is very knowledgeable and helpful and welcomes your calls.