Business insurance is one of those areas that most business owners would probably rather not deal with. A lot of people who own handyman businesses think they do not need any insurance. Please do not make this mistake. I understand that insurance is expensive, however if you are going to own a business, you will need at least some basic insurance. For instance, the vehicle you use for work will probably need a commercial policy to really cover you in case of an accident. This is escpecally true if you have employees. General liability will also be needed. There is also workers compensation insurance. The state you are doing business in will determine if you need workers compensation.
You will need to make sure that you have a insurance agent that understands insurance for handyman business. You also need to make sure that you know what your state and local rules are regarding insurance for handyman businesses.