Estimated Cost (2026)
Adjust based on your team size
Just me (1)Team (20)
$1859-$2734
Estimated Annual Premium
Monthly Average Breakdown
$182 / mo
Includes General Liability
Industry Risk Profile
A handyman covers a wide variety of tasks, making their risk profile moderate depending on the exact services they offer.
Risk Factor1.4x
Location Factors
- State Base Rate$1050
- Chicago Multiplier1.4x
- State Tax Rate6.3%
Local Compliance FAQ
Is General Liability required in Chicago?
While Illinois law may not mandate it for all businesses, Handymans often need proof of insurance to bid on local commercial projects in Chicago.
Why is the rate different here?
Your premium reflects Illinois's specific base rate of $1050 and a local city multiplier of 1.4x.
Compare Handyman Insurance in Other Illinois Cities
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