Business Licenses & Insurance

California has laws regarding the small projects and repairs that handyman does.  

These jobs are usually too small for licensed contractors to want to deal with, so there’s the minor work exception I describe at the bottom.   I’ll tell you a little more about my company and then dive into the code.

TopLine Handyman provides home repair and maintenance services in San Clemente and surrounding areas.

I carry SC business license and keep general liability insurance for your peace of mind.

I am not a Licensed Contractor, but operate under the minor work exception in accordance with the California Business and Professions Code Sections below.

Insurance Certificate Available Upon Request


 Do I need a Handyman or Contractor for  Home Repairs?

If you’re like most people, you don’t have the skills, time, or tools to handle home repairs yourself, which means having a handyman or contractor take care of them.  What’s the difference between these options?  How do they affect your budget?  What are the pros and cons?  Let me explain.  A handyman is a skilled professional with lots of experience working with and repairing houses but doesn’t have a trade license.  He will have all his own equipment and tools.  But bear in mind that not every handyman is made the same. Since there’s no licensing process, there may be different levels of expertise provided by one handyman compared to another.  State law also limits their work by capping the project size to under $500. In contrast with a handyman, an independent contractor is a licensed professional in his line of work such as electrician, plumber or painter.  He’s gone through an apprenticeship, worked and studied, and licensed by the state for the particular trade.  Contractors are usually working on large projects requiring permits. One advantage of a handyman is their flexibility. If you need a paint touch-up on your home, minor plumbing repairs, and help to install light fixtures, a good handyman may do all 3 of those things, and you will not have to employ and coordinate 3 separate independent contractors. In addition, your cost should be much lower. Hiring a contractor can be expensive. Where a handyman might not have the specific experience and training of a contractor, it does not necessarily mean that they cannot get the job done.  It all depends on the size and complexity of the work. California has laws regarding the small projects and repairs that handyman does.  These jobs are usually too small for licensed contractors to want to deal with, so there’s the minor work exception I describe at the bottom.

 Assess The Work

A good general guideline when deciding between hiring an independent contractor or a handyman is the size of the task. In case you only need minor repairs, or some small projects which might be handled in a couple of hours or day , a handyman may be sufficient, and will definitely be the most cost-efficient option. If it’s a larger project requiring permits, extensive changes, and planning, like an addition to a room, or remodeling of an entire existing room, then you’ll have to hire a contractor.

Pay for what you need.

For small home repairs, a handyman can be a much more cost-efficient, practical choice, as their charge will be much lower than the contractor. Great projects to have handyman do include patching holes in walls, replacing weather-stripping, and caulking windows. Whenever you hire a contractor, you are paying for expertise and licensing, and it is an inefficient use of cash to pay for that whenever you do not need it.

California Business and Professions Code Sections.

(7027.2, & 7048)   These sections in the Contractors’ State License Law allow handyman like me to do repairs and projects on your home if they are casual, minor, or inconsequential nature and the aggregate contract price for labor, materials, and all other items is less than five hundred dollars $500.  Large planned projects can’t be broken up into smaller ones just to meet the $500 limit.

(7045 & 7046)   These sections explain that the Contractors’ State License Law does not apply to work on personal property or the sale or installation of any finished products that do not become a fixed part of the structure of your home and yard.