Handyman Liability Insurance in Alabama – AL
Handyman Liability Insurance in Alabama – AL is a must-have type of insurance to have for any individual who does odd, yet highly skilled projects.
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A handyman, also dubbed as a handyperson or handy worker is a person who works on skilled jobs.
If you’re a handyman, you must buy handyman liability insurance, and here’s why!
What Jobs does Handyman Do in Alabama?
But first, a handyman is not to be taken for a contractor because the former is a fellow who can perform many tasks around your residence.
The latter generally has some sort of registered license, but can also get handyman liability insurance in Alabama. That said, here are some traditional jobs handymen provide.
What are the Common Handyman Jobs in Alabama?
Even though there are a plethora of services handymen offer, the tasks listed below are the most common.
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This is one of the most traditional jobs handymen provide and is related to plumbing components in a house.
There’s nothing more infuriating than malfunctioning plumbing parts in a home.
From the continuous dripping havoc to the mold and mildew leaking from the leaking water, it’s a big task to deal with.
To locate the cause of the leak, you will need some expertise, for which you will have to opt for a professional handyman. You can always hire a plumber to do the work, but this will cost you more money.
Handymen in the plumbing area can fix this sort of leak and much more such as leaks and problems related to washing machines, showers, and even leaks underneath sinks.
The faster you can get these problems fixed, the better it is for the time ahead.
Light Fixture Installation
fixing light fixtures may seem easy, but it ideally can be a complex task.
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A handyman can repair your light components to increase the aesthetic appeal of your home.
Some handymen also have the expertise to provide great ideas on upgrading your current light fixtures to make your house more presentable.
If you’re a house owner, you should already know the problems that can take place with your drywall. These damages occur when you have kids and pets.
The Good news is that fixing drywall isn’t that difficult, that is if you own the right tools.
A drywall handyperson not only has special skills and finesse, but also owns the right tools for the job.
Interior and Exterior Painting
Yet another project you can perhaps do yourself, but the results will not be great.
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Getting the services of a handyman guarantees you get a great job done.
Quick fact: more than 20 percent of houses in America have outdoor living locations including balconies, decks, and patios. These locations truly make living more pleasant, as long as they’re in an excellent working state.
But due to exposure to harsh weather, outdoor spaces can get mangled over the years.
And as a homeowner, you probably don’t have the expertise to fix the decking yourself.
This is another common task for handymen, as they exhibit special skills to get the job done perfectly.
Replacing or fixing a floor in your house can be a tiresome process. Flooring can get ruptured easily such as with dings and dents.
But these things can be easily repaired by a handyperson.
And if you’re a handy worker selling things related to flooring from your website, you must check out e-commerce business insurance in Alabama, as it will shield your online business from liability.
Even though professional roofers place roofs on buildings, some handypersons are skilled at repairing or replacement of shingles.
If you’re a roofer or a handyman dealing with roofs, then you need to explore separate roofing insurance in Alabama policy.
A simple fall from a ladder could cause damage to your client or his/her property, for which they can sue your roofing company for a lot of money.
What are the Advantages of Handyman Liability Insurance in Alabama (AL)?
Even if you’re the only employee of the company, you should get handyman liability insurance in AL.
As a handy worker, you probably carry several pieces of tools to complete projects with ease.
These tools can be expensive and can damage your business in the event of theft. With handy worker liability insurance, your gadgets are shielded against theft, so you can replace them easily if they’re stolen.
General liability coverage is yet another benefit of handyman liability insurance and covers you in case you cause injury to your customers.
For example, if you’re painting the outside of a customer’s residence, and spill paint on the family pet, you may be sued by the homeowner.
So, ask yourself, when this occurs, do you have the money to pay for these claims? Probably not, which is why you need handyman liability insurance in AL.
As a handyperson in Alabama, you probably don’t receive workers’ compensation. This implies that if you get harmed while performing the customer’s project, your medical tabs will not be covered.
Plus, if you take time off due to the damage caused to you, you will not be remunerated for the lost time. With handiwork liability insurance, you get paid for when you take days off work.
Should Your Handyperson have Insurance in Alabama?
You probably have homeowner’s insurance, but does it shield you against harm caused to a 3rd party — your handyman? The answer is probably not!
Even if your home insurance policy does provide cover remuneration for handyman damage, you will still have to fork out the deductible first to end the claim.
Furthermore, if the handiwork causes any damage to stuff and people on your property, your home insurance will probably not cover it whatsoever.
What are the Different Types of Handyperson Insurance in AL?
There are several types of handyman insurance coverages to choose from. But it’s worth stating that the more coverage you sign up for, the steeper the price.
Handyman general liability insurance is the most basic type of handyman insurance coverage and offers property damage, medical fees legal fees, and settlements.
As a handy worker, you may be doing several types of projects for your clients including installing a new kitchen sink or changing windows.
General liability insurance for handyman in Alabama protects you in case your customer trips over your tools and hurts their leg or another part of their body.
And if you mistakenly drop your client’s $100,000 antique vase, then General liability insurance for handyman in Alabama – AL will cover you for that too. This form of insurance will also cover you against any injury onsite and libel, slander, and defamation.
Many insurance companies will also provide the option of adding vehicle insurance, which should protect your tools against theft and damage.
If you drive a vehicle with lots of tools in it, then choose the extra truck insurance option makes sense.
To determine whether you need handyman insurance, ask yourself if you will be able to compensate for the damages from your own pocket.
Does a Handyman Need a License in Alabama?
Even though handymen perform several types of jobs, some tasks do require a handyman license in Alabama.
In most cases, states do not provide handyman licenses, but this also depends on how big the job is.
For example, if the project is valued at over $5000, the handyman may be asked to apply for a license.
Each state has its own prerequisites for a handyperson license, and some states don’t require a handyman license such as Alabama.
Handyperson Liability Insurance Cost – What to Expect
Handyperson insurance costs vary across insurance firms and also depend on the kind of coverage you choose.
Handymen can expect to pay anywhere between $60 per month for general handyman liability insurance cover.
If you want to have handyman workers compensation insurance coverage, then the premium of handyman liability insurance will be roughly $300 per month.
Ready to Get Handyman Liability Insurance in Alabama?
When choosing the best handyman liability insurance cover, pay attention to the terms and conditions.
Furthermore, don’t forget to seek clarification about any questions you may have so that you invest in the right handyman liability coverage.
We will try to provide information about online insurance companies that work in Alabama, so if you live in cities as an example: Hoover, Auburn, Tuscaloosa, Florence, Birmingham, Mobile, Madison, Montgomery, Decatur, Dothan, Phenix City, Huntsville, or smaller cities it does not matter to these companies.