Handyman Liability Insurance in Arizona – AZ
Handyman Liability Insurance in Arizona – AZ is a crucial type of insurance to have for any individual who does odd, yet highly skilled jobs.
A handyman, also known as a handyperson or handy worker is a fellow who performs skilled jobs.
If you’re a handy worker, you have to buy handyman liability insurance, and here’s why!
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What Jobs does Handyman Do in Arizona?
But first, a handiwork is not to be confused for a contractor because the former is an individual who can undertake several tasks around your residence.
The latter mostly has some kind of registered license, but can also get handyman liability insurance in Arizona. That said, here are some traditional jobs handymen provide.
What are the Regular Handyman Jobs in Arizona?
Even though there are myriad services handymen provides, the tasks listed below are the most common.
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This is one of the most regular jobs handy workers provide, and deals with plumbing parts in a house.
There’s nothing more annoying than broken plumbing components in a home.
From the continual dripping sound to the mold and mildew stemming from the leaking water, it’s a big task to deal with.
To find the cause of the leak, you will need industry expertise, for which you will have to hire a professional handyman. You can always call a plumber to do the task, but this will cost you more money.
Handymen in the plumbing domain can fix this kind of leaks and much more such as leaks and damages related to washing machines, showers, and even leaks under sinks.
The swiftly you can get these damages fixed, the better it is for the time ahead.
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Light Fixture Installation
switching light fixtures may seem simple, but it ideally can be a mind-boggling task.
A handyperson can repair your light parts to increase the aesthetic appeal of your home.
Some handy workers also have the knowledge to provide great ideas on upgrading your current light components to make your house more presentable.
If you’re a homeowner, you should already know the damage that can happen to your drywall. These damages happen when you have kids and pets.
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The Good news is that mending drywall isn’t that hard, that is if you got the right tools.
A drywall handyman not only has special knowledge and finesse but also has the best tools for the job.
Interior and Exterior Painting
Yet another task you can perhaps do yourself, but the results will not be satisfying.
Commissioning the services of a handyperson makes sure you get a great job done.
Quick fact: more than 20 percent of homes in America have outdoor living areas including balconies, decks, and patios. These living spaces truly make living more pleasant, as long as they’re in great working order.
But due to exposure to harsh weather, outdoor locations can get mangled over the years.
And as a residence owner, you probably don’t have the expertise to repair the decking yourself.
This is another common task for handypersons, as they possess special skills to get the job done correctly.
Replacing or fixing a floor in your home 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 handyman.
And if you’re a handyperson selling things related to flooring from your website, you must check out e-commerce business insurance in Arizona, 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 buy separate roofing insurance in Arizona policy.
A simple trip from a ladder could cause harm 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 Arizona (AZ)?
Even if you’re the only employee of the company, you invest in handyman liability insurance AZ.
As a handyman, you probably carry several pieces of tools to complete jobs with ease.
These tools can be expensive and can harm your business in the event of theft.
With handiwork liability insurance, your gadgets are shielded against theft, so you can replace them quickly if they’re stolen.
General liability coverage is yet another benefit of handyman liability insurance and protects you in case you cause harm to your customers.
For example, if you’re painting the interior of a customer’s home, and knock over paint on the family pet, you may be sued by the house owner.
As a handyman in Arizona, you probably don’t get workers’ compensation. This implies that if you get harmed while performing the customer’s task, your medical tabs will not be covered.
Plus, if you take time off due to the damage caused to you, you will not be compensated for the lost time. With handyperson liability insurance, you get compensated for when you take days off work.
Should Your Handyworker have Insurance in Arizona?
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 house insurance policy does provide cover compensation for handyman damage, you will still have to pay the deductible first to settle the claim.
Furthermore, if the handyperson causes any destruction to furniture and people in your home, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyworker Insurance in AZ?
There are many types of handy worker insurance coverages to choose from. But it’s worth noting that the more coverage you ask for, the higher the price.
Handyman general liability insurance is the most common type of handyman insurance coverage and offers property damage, medical fees legal fees, and settlements.
As a handyman, you may be hired for several types of jobs for your clients including installing a new kitchen sink or changing windows.
General liability insurance for handyman in Arizona covers you in case someone trips over your tools and breaks 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 Arizona – AZ 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 give you the option of adding vehicle insurance, which should protect your tools against theft and damage.
If you drive a truck with lots of tools in it, then choose the extra truck insurance option makes sense.
To understand whether you need handyperson insurance, ask yourself if you will be able to pay for the claims from your own pocket.
Does a Handyman Need a License in Arizona?
Even though handymen perform several types of jobs, some tasks do require a handyman license in Arizona.
In most cases, states do not give handyman licenses, but this also depends on how massive the job is.
For example, if the project is valued at over $5000, the handyman may be asked to get a license.
Each state has its own prerequisites for a handyman license, and some states don’t require a handyman license such as Arizona.
Handyworker Liability Insurance Cost – What to Expect
Handyman insurance fees vary across insurance firms and also depend on the kind of coverage you opt for.
Handy workers can expect to pay approximately $60 per month for general handy worker liability insurance cover.
If you want to opt for handyman workers compensation insurance coverage, then the price of handyman liability insurance will be somewhere around $300 per month.
Ready to Get Handyman Liability Insurance in Arizona?
When opting for 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.
We will try to provide information about online handyman insurance in Arizona, so if you live in cities as an example: Oro Valley, Glendale, Apache Junction, Chandler, Phoenix, Yuma, Flagstaff, Buckeye, Casa Grande, Scottsdale, Bullhead City, Sierra Vista, Goodyear, Tucson, Lake Havasu City, Gilbert, Maricopa, Marana, Tempe, Prescott Valley, Mesa, Peoria, Avondale, Prescott, Surprise, or smaller cities it does not matter to these companies.