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While handypeople do not need to be licensed in many places, you should only hire insured pros for any home improvement work. Your handyperson should have active liability coverage that protects them and you in the case of an error or accident. Furthermore, if they have employees on your property, they should also have workers’ compensation insurance. If you hire an individual or a company that is not insured and they damage your property, have an accident while on the job, or become injured on your property without insurance, you can be held financially liable.

Before hiring a handyperson, it's important to ask several questions to ensure they are the right fit for the job. Key areas to cover include their experience, logistics, and job specifics.

Experience and Qualifications:

• What kind of work do you specialize in?

• How long have you been doing this kind of work?

• Are you licensed and insured?

• Do you have references?

• Can you provide before-and-after photos of your work?

Estimates and Contracts:

• Do you charge for estimates?

• Will you provide a written estimate and contract?

• Does the estimate cover both labor and materials?

• How much do you expect materials to cost?

Project Details and Guarantees:

• When can you start the job, and how long do you expect it to take?

• Do you provide a guarantee for your work?

• Will you handle cleanup and waste disposal after the job is finished?

• Do you have any questions about the projects on my list?

A contractor specializes in a specific field. They often operate in teams where they have subcontractors to handle specialized problems. So if you have significant plumbing, drywall, or roofing issues, you’ll want to hire a contractor, as the job may require a team.

A handyperson is typically one person who works on whatever jobs come their way. You wouldn’t call a contractor to fix the hinges on cabinets or paint your room. Instead, a handyperson can handle all these issues, saving you from making multiple phone calls.

In most states, handypeople do not need to be licensed to perform simple home repair tasks and smaller jobs. When projects exceed specific cost amounts, however, ranging from $500 in California to $50,000 in other states, some municipalities consider them to be contractors, meaning they need to be licensed. To learn if your handyperson should be licensed to work on your job, contact your local governing body or state contractors’ licensing board before starting any work.