ERGO NEXT: Handyperson
This week I'm highlighting our Handyperson COB.
Risk Profile
Handypersons perform miscellaneous, small-scale repair and installation work in residential and light commercial settings. Typical operations include:
Minor painting, drywall, and carpentry repairs
Replacing windows, screens, and locks
Small roofing repairs (incidental shingles) and gutter cleaning
Installing ceiling fans, TV mounts, and light caulking work
This is not limited to residential exposures.
Eligible Lines of Business
BOP / GL / Umbrella / Tools & Equipment
Coverage varies by state — confirm via Appetite Checker
Key Endorsements
Contractors E&O – $50K aggregate
Per Project Aggregate (state dependent)
Snow Plow Coverage – available
Automatic Additional Insured
Waiver of Subrogation – available
Key Underwriting Guardrails (Non-Exhaustive)
No tract new construction over 10 homes prior to CO
No new mobile home parks over 10 spaces
No condo/townhome conversions
No work at high-hazard premises (railroads, refineries, airports, hospitals, military housing, etc.)
No wrap-up exposures
No ground-up construction as a GC/developer
No foundation work
Performance Metrics
Average premium: $1,103
Bind ratio: 32%
Quote success rate: 96%