Handyman Liability Insurance in Colorado – CO
Handyman Liability Insurance in Colorado – CO is a must have type of insurance to have for any person who does odd, yet highly skilled tasks.
A handyman, also known as a handyperson or handyworker is a fellow who works on skilled jobs.
If you’re a handyman, you must buy handyman liability insurance, and here’s why!
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What Jobs does Handyman Do in Colorado?
But first, a handyman is not to be mistaken for a contractor because the former is a individual who can undertake many tasks around your residence.
The latter generally has some sort of registered license, but can also invest in handyman liability insurance in Colorado. That said, here are some common jobs handymen provide.
What are the Traditonal Handyman Jobs in Colorado?
Even though there are plethora of services handymen perform, the tasks listed below are the most common.
This is one of the most common jobs handyworkers provide, and deals with plumbing parts in a home.
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There’s nothing more infuriating than malfunctioning plumbing parts in a home.
From the continual dripping noise to the mold and mildew leaking from the extra water, it’s a big issue to deal with.
To locate the cause of the leak, you will need some expertise, for which you will have to commision a professional handyman. You can always get a plumber to do the work, but this will cost you more cash.
Handymen in the plumbing domain can fix this type of leaks and much more such as leaks and issues related to washing machines, showers, and even leaks underneath sinks.
The swiftly you can get these damages fixed, the better it is for the future.
Light Fixture Installation
Changing light fixtures may seem uncomplicated, but it truly can be a tough task.
A handyman can repair your light components to increase the aesthetic appeal of your house.
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Some handyworkers also have the expertise to give great ideas on upgrading your current light components to make your home more presentable.
If you’re a house owner, you should already know the damage that can take place to your drywall. These damages occur when you have kids and pets.
The Good news is that mending drywall isn’t that difficult, that is if you have the right tools.
A drywall handyperson not only has special skill 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 good.
Hiring the services of a handyman ensures 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 enjoyable, as long as they’re in good working order.
But due to exposure to bad weather, outdoor spaces can get damaged over the years.
And as a home owner, you probably don’t have the skills to repair the decking yourself.
This is another common job for handypersons, as they possess special skills to get the job done perfectly.
Replacing or fixing a floor in your residence can be a tiresome process. Flooring can get broken easily such as with dings and dents.
But these problems can be easily repaired by a handyworker.
And if you’re a handyperson selling accessories related to flooring from your website, you must check out ecommerce business insurance in Colorado, as it will protect your online business from liability.
Even though professional roofers install roofs on buildings, some handypersons are skilled at repairing or replacement of shingles.
If you’re a roofer or a handyperson dealing with roofs, then you need to buy separate roofing insurance in Colorado policy.
A simple fall from a ladder could cause damage to your client or his/her home, for which they can sue your roofing agency for a lot of money.
What are the Benefits of Handyman Liability Insurance in Colorado (CO)?
Even if you’re the only employee of the company, you must have handyman liability insurance in CO.
As a handyperson, 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 handyworker liability insurance, your tools are covered against theft, so you can replace them fast if they’re stolen.
General liability coverage is yet another advantage of handyman liability insurance and covers you in case you cause harm to your customers.
For example, if you’re painting the outside of a customer’s house, and knock over paint on the family pet, you may be sued by the residence owner.
So, ask yourself, when this happens, do you have the money to pay for these claims? Probably not, which is why you need handyman liability insurance in CO.
As a handyman in Colorado, you probably don’t get workers compensation. This indicates 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 remunerated for the lost time. With handyman liability insurance, you get remunerated for when you take time off work.
Should Your Handyworker have Insurance in Colorado?
You mostly have homeowner’s insurance, but does it cover you against injury caused to a 3rd party — your handyworker? The answer is probably not!
Even if your residence insurance policy does provide cover remuneration for handyman injury, you will still have to fork out the deductible first to settle the claim.
Furthermore, if the handyperson causes any destruction to furniture and people in your house, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyperson Insurance in CO?
There are different types of handyman insurance coverages to choose from. But it’s worth mentioning that the more coverage you ask for, the higher the price.
Handyman general liability insurance is the most basic type of handyman insurance coverage, and includes property damage, medical fees legal fees and settlements.
As a handyperson, you may be performing several types of tasks for your clients including installing a new kitchen sink or changing windows.
General liability insurance for handyman in Colorado shields you in case your customer trips over your tools, and injures 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 Colorado – CO 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 give you the option of adding vehicle insurance, which should protect your tools against theft and damage.
If you drive a truck with lots tools in it, then choose the extra truck insurance option makes sense.
To understand whether you need handyworker insurance, ask yourself if you will be able to pay for the damages from your own pocket.
Does a Handyman Need a License in Colorado?
Even though handymen perform several kinds of jobs, some tasks do require a handyman license in Colorado.
In most cases, states do not issue handyman licenses, but this also depends on how big the job is.
For example, if the project is valued over $5000, the handyworker may be asked to get a license.
Each state has its own prerequisites for a handyperson license, and some states don’t require a handyman license such as Colorado.
Handyman Liability Insurance Cost – What to Expect
Handyman insurance fees vary across insurance agencies, and also depends on the level of coverage you opt for.
Handyworkers can expect to pay somewhere between $60 per month for general handyperson liability insurance cover.
If you want to opt for handyman workers compensation insurance coverage, then the price of handyman liability insurance will be approximately $300 per month.
Ready to Get Handyman Liability Insurance in Colorado?
When opting for the best handyman liability insurance cover, pay attention to the terms and conditions.
Also, don’t forget to seek clarification about any questions you may have so that you get the best handyman liability coverage.
We will try to provide information about online insurance companies that work in Colorado, so if you live in cities as an example: Denver, Castle Rock, Longmont, Pueblo, Arvada, Broomfield, Parker, Littleton, Westminster, Lakewood, Grand Junction, Greeley, Fort Collins, Colorado Springs, Commerce City, Boulder, Centennial, Loveland, Aurora, Thornton, Northglenn, or smaller cities it does not matter to these companies.