Handyman Liability Insurance in Alaska – AK
Handyman Liability Insurance in Alaska – AK is a an important type of insurance to have for any worker who does odd, yet highly skilled projects.
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A handyman, also dubbed as a handyperson or handyworker is a person who performs skilled jobs.
If you’re a handyworker, you should buy handyman liability insurance, and here’s why!
What Jobs does Handyman Do in Alaska?
But first, a handyman is not to be taken for a contractor because the former is a fellow who can undertake many tasks around your home.
The latter usually has some type of registered license, but can also invest in handyman liability insurance in Alaska. That said, here are some traditional jobs handymen provide.
What are the Traditonal Handyman Jobs in Alaska?
Even though there are myriad services handymen perform, the services listed below are the most common.
This is one of the most traditional jobs handymen provide, and is regarding plumbing components in a home.
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There’s nothing more infuriating than broken plumbing parts in a home.
From the continual dripping havoc to the mold and mildew leaking from the excess water, it’s a big task to deal with.
To search the cause of the leak, you will need some expertise, for which you will have to opt for a professional handyman. You can always call a plumber to do the job, but this will cost you more cash.
Handymen in the plumbing area can fix this type of leaks and much more such as leaks and problems related to washing machines, showers, and even leaks under sinks.
The swiftly you can get these issues fixed, the better it is for the future.
Light Fixture Installation
Changing light fixtures may seem simple, but it truly can be a complex task.
A handyman can repair your light fixtures to increase the aesthetic appeal of your house.
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Some handymen also have the prowess to offer great ideas on upgrading your current light parts to make your house more presentable.
If you’re a home owner, you should already know the damage that can occur to your drywall. These damages are common when you have kids and pets.
The Good news is that repairing drywall isn’t that complex, that is if you own the right tools.
A drywall handyperson not only has special expertise and finesse, but also owns the right tools for the job.
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Interior and Exterior Painting
Yet another project you can perhaps do yourself, but the results will not be great.
Getting the services of a handyman ensures you get a great job done.
Quick fact: more than 20 percent of residences in America have outdoor living locations including balconies, decks and patios. These locations truly make living more enjoyable, as long as they’re in great working condition.
But due to exposure to bad weather, outdoor locations can get damaged over the years.
And as a home owner, you probably don’t have the expertise to mend the decking yourself.
This is another common task for handypersons, as they exhibit special skills to get the job done perfectly.
Replacing or fixing a floor in your home can be a tiresome process. Flooring can get damaged easily such as with dings and dents.
But these things can be easily restored by a handyman.
And if you’re a handyman selling accessories related to flooring from your website, you have to check out ecommerce business insurance in Alaska, as it will protect your online business from liability.
Even though professional roofers install roofs on houses, some handypersons are skilled at repairing or replacement of shingles.
If you’re a roofer or a handyworker dealing with roofs, then you need to get separate roofing insurance in Alaska policy.
A simple slip from a ladder could cause damage to your client or his/her property, for which they can sue your roofing agency for a lot of money.
What are the Advantages of Handyman Liability Insurance in Alaska (AK)?
Even if you’re a single employee of the company, you invest in handyman liability insurance in AK.
As a handyman, you probably own several kinds of tools to complete tasks with ease.
These tools can be pricey, and can damage your business in the event of theft. With handyperson liability insurance, your tools are shielded against theft, so you can replace them fast if they’re stolen.
General liability coverage is yet another advantage of handyman liability insurance and shields you in case you cause damage to your customers.
For example, if you’re painting the exterior of a customer’s house, and spill paint on the family pet, you may be sued by the home owner.
So, ask yourself, when this occurs, do you have the funds to pay for these claims? Probably not, which is why you need handyman liability insurance in AK.
As a handyperson in Alaska, you probably don’t have workers compensation. This means that if you get harmed while performing the customer’s task, your medical expenses will not be covered.
Plus, if you take time off due to the injury caused to you, you will not be paid for the lost time. With handyperson liability insurance, you get paid for when you take leave from work.
Should Your Handyworker have Insurance in Alaska?
You mostly have homeowner’s insurance, but does it cover you against injury caused to a 3rd party — your handyman? The answer is probably not!
Even if your home insurance policy does provide cover compensation for handyman damage, you will still have to pay the deductible first to end the claim.
Furthermore, if the handyperson causes any destruction to things and people in your home, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyman Insurance in AK?
There are many types of handyworker insurance coverages to choose from. But it’s worth mentioning that the more coverage you ask for, the steeper the price.
Handyman general liability insurance is the most traditional type of handyman insurance coverage, and covers property damage, medical fees legal fees and settlements.
As a handyworker, you may be hired for several types of projects for your clients including installing a new kitchen sink or changing windows.
General liability insurance for handyman in Alaska protects you in case anyone trips over your tools, and injures their leg or other part of their body.
And if you mistakenly damage your client’s $100,000 antique vase, then General liability insurance for handyman in Alaska – AK will cover you for that too. This type 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 cover your tools against theft and damage.
If you drive a van with many tools in it, then choose the extra car insurance option makes sense.
To determine whether you need handyworker insurance, ask yourself if you will be able to pay for the injury from your own pocket.
Does a Handyman Need a License in Alaska?
Even though handypersons perform several kinds of jobs, some tasks do require a handyman license in Alaska.
In most cases, states do not issue handyman licenses, but this also depends on how big the job is.
For example, if the job is valued over $5000, the handyperson may be asked to get a license.
Each state has its own requirements for a handyperson license, and some states don’t need a handyman license such as Alaska.
Handyman Liability Insurance Cost – What to Expect
Handyworker insurance costs vary across insurance companies, and also depends on the level of coverage you choose.
Handymen can expect to pay anywhere between $60 per month for general handyworker liability insurance cover.
If you want to have handyman workers compensation insurance coverage, then the price of handyman liability insurance will be roughly $300 per month.
Ready to Get Handyman Liability Insurance in Alaska?
When selecting 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 best handyman liability coverage.