Handyman Liability Insurance in Arkansas – AR
Handyman Liability Insurance in Arkansas – AR is a crucial type of insurance to have for any worker who does odd, yet highly skilled jobs.
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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 handy worker, you should buy handyman liability insurance, and here’s why!
What Jobs does Handyman Do in Arkansas?
But first, a handyman is not to be confused for a contractor because the former is an individual who can perform more tasks around your home.
The latter mostly has some sort of registered license, but can also get handyman liability insurance in Arkansas. That said, here are some traditional jobs handymen provide.
What is the Regular Handyman Jobs in Arkansas?
Even though there are myriad services handymen perform, the jobs listed below are the most common.
This is one of the most regular jobs handymen provide and is regarding plumbing fixtures in a house.
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There’s nothing more annoying than damaged plumbing parts in a home.
From the constant dripping noise to the mold and mildew stemming from the excess water, it’s a big issue to deal with.
To locate the cause of the leak, you will need industry expertise, for which you will have to hire a professional handyman. You can always hire a plumber to do the work, but this will cost you more cash.
Handymen in the plumbing field can fix this sort of leaks and much more such as leaks and damages related to washing machines, showers, and even leaks below sinks.
The quicker you can get these damages fixed, the better it is for the long term.
Light Fixture Installation
fixing light fixtures may seem uncomplicated, but it truly can be a tough task.
A handiwork can fix your light components to increase the aesthetic appeal of your residence.
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Some handypersons also have the prowess to offer 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 damage that can take place to your drywall. These dings happen when you have kids and pets.
The Good news is that fixing drywall isn’t that complex, that is if you own the right tools.
A drywall handy worker not only has special expertise and finesse but also has the right tools for the job.
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Interior and Exterior Painting
Yet another job you can probably do yourself, but the results will not be great.
Commissioning the services of a handyworker makes sure you get a satisfying job done.
Quick fact: more than 20 percent of residences 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 condition.
But due to exposure to bad weather, outdoor areas can get mangled over the years.
And as a house owner, you probably don’t have the skills to mend the decking yourself.
This is another common project for handymen, as they have special skills to get the job done perfectly.
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 issues can be easily fixed by a handyman.
And if you’re a handyperson selling things related to flooring from your website, you must check out ecommerce business insurance in Arkansas, as it will protect your online business from liability.
Even though professional roofers setup roofs on houses, 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 Arkansas policy.
A simple slip from a ladder could cause damage to your client or his/her house, for which they can sue your roofing business for massive money.
What are the Benefits of Handyman Liability Insurance in Arkansas (AR)?
Even if you’re the only employee of the company, you should get handyman liability insurance in AR.
As a handyworker, you probably own several types of gadgets to complete jobs with ease.
These tools can be costly and can damage your business in the event of theft. With handyperson liability insurance, your gadgets are shielded against theft, so you can replace them quickly if they’re stolen.
General liability coverage is yet another advantage of handyman liability insurance and protects you in case you cause injury 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 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 AR.
As a handyworker in Arkansas, you probably don’t have workers compensation. This implies that if you get injured while performing the customer’s job, your medical bills 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 handyworker liability insurance, you get remunerated for when you take leave from work.
Should Your Handyman have Insurance in Arkansas?
You mostly have homeowner’s insurance, but does it cover you against harm caused to a 3rd party — your handyworker? The answer is probably not!
Even if your house insurance policy does provide cover remuneration for handyman damage, you will still have to fork out the deductible first to settle the claim.
Furthermore, if the handyworker causes any damage to things and people in your house, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyman Insurance in AR?
There are different types of handyperon insurance coverages to choose from. But it’s worth mentioning that the more coverage you sign up for, the higher 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 handyperson, you may be doing several types of tasks for your clients including installing a new kitchen sink or replacing windows.
General liability insurance for handyman in Arkansas covers you in case your customer trips over your tools, and breaks their leg or other part of their body.
And if you mistakenly drop your client’s $100,000 antique vase, then General liability insurance for handyman in Arkansas – AR will cover you for that too. This type of insurance will also shield you against any injury onsite and libel, slander and defamation.
Many insurance agencies will also provide the option of adding vehicle insurance, which should cover your tools against theft and damage.
If you drive a truck with several tools in it, then choose the extra vehicle 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 Arkansas?
Even though handypersons perform several sorts of jobs, some tasks do require a handyman license in Arkansas.
In most cases, states do not give handyman licenses, but this also depends on how massive the job is.
For example, if the task is valued over $5000, the handyman may be asked to provide a license.
Each state has its own requirements for a handyworker license, and some states don’t issue a handyman license such as Arkansas.
Handyman Liability Insurance Cost – What to Expect
Handyworker insurance fees vary across insurance companies, and also depends on the kind of coverage you opt for.
Handyworkers 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 premium of handyman liability insurance will be approximately $300 per month.
Ready to Get Handyman Liability Insurance in Arkansas?
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 proper handyman liability coverage.
We will try to provide information about online insurance companies that work in Arkansas, so if you live in cities as an example: Springdale, Fort Smith, Little Rock, Jonesboro, Fayetteville, Pine Bluff, Conway, Bentonville, North Little Rock, Rogers, or smaller cities it does not matter to these companies.