Handyman Liability Insurance in Connecticut – CT
Handyman Liability Insurance in Connecticut – CT is a an important type of insurance to have for any individual who does odd, yet highly skilled projects.
A handyman, also referred to as a handyperson or handyworker is a fellow who is employed at skilled jobs.
If you’re a handyperson, you should buy handyman liability insurance, and here’s why!
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What Jobs does Handyman Do in Connecticut?
But first, a handyman is not to be mistaken for a contractor because the former is a individual who can perform seevral tasks around your home.
The latter mostly has some kind of registered license, but can also get handyman liability insurance in Connecticut. That said, here are some regular jobs handymen provide.
What are the Traditonal Handyman Jobs in Connecticut?
Even though there are several services handymen offer, the tasks listed below are the most common.
This is one of the most traditional jobs handymen provide, and deals with plumbing fixtures in a home.
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There’s nothing more infuriating than damaged plumbing parts in a home.
From the continual dripping noise to the mold and mildew released from the extra water, it’s a big problem to deal with.
To find 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 job, but this will cost you more bucks.
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 faster you can get these issues fixed, the better it is for the long term.
Light Fixture Installation
Changing light fixtures may seem simple, but it truly can be a tough task.
A handyperson can repair your light parts to increase the aesthetic appeal of your residence.
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Some handypersons also have the prowess to give 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 issues that can happen to your drywall. These dents occur when you have kids and pets.
The Good news is that mending drywall isn’t that hard, that is if you got the right tools.
A drywall handyworker not only has special knowledge and finesse, but also owns the accurate tools for the job.
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Interior and Exterior Painting
Yet another task you can perhaps do yourself, but the results will not be good.
Hiring the services of a handyman guarantees you get a satisfying job done.
Quick fact: more than 20 percent of residences in America have outdoor living spaces including balconies, decks and patios. These living spaces truly make living more delightful, as long as they’re in great working state.
But due to exposure to harsh weather, outdoor locations can get mangled over the years.
And as a home owner, you probably don’t have the skills to fix 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 time consuming process. Flooring can get ruptured easily such as with dings and dents.
But these things can be easily restored by a handyworker.
And if you’re a handyworker selling things related to flooring from your website, you have to check out ecommerce business insurance in Connecticut, as it will safeguard 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 get separate roofing insurance in Connecticut policy.
A simple fall from a ladder could cause injury to your client or his/her home, for which they can sue your roofing agency for a lot of money.
What are the Advantages of Handyman Liability Insurance in Connecticut (CT)?
Even if you’re the only employee of the company, you invest in handyman liability insurance in CT.
As a handyperson, you probably have several pieces of tools to complete jobs with ease.
These tools can be expensive, and can hurt your business in the event of theft. With handyperson liability insurance, your tools are covered against theft, so you can replace them fast if they’re stolen.
General liability coverage is yet another perk of handyman liability insurance and shields you in case you cause damage to your customers.
For example, if you’re painting the interior of a customer’s house, and drop paint on the family pet, you may be sued by the house owner.
So, ask yourself, when this happens, do you have the cash to pay for these claims? Probably not, which is why you must have handyman liability insurance in CT.
As a handyman in Connecticut, you probably don’t receive workers compensation. This means that if you get hurt while performing the customer’s task, your medical expenses will not be reimbursed.
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 compensated for when you take leave from work.
Should Your Handyperson have Insurance in Connecticut?
You probably have homeowner’s insurance, but does it protect you against injury caused to a 3rd party — your handyman? The answer is probably not!
Even if your residence insurance policy does provide cover compensation for handyman damage, you will still have to give the deductible first to close the claim.
Furthermore, if the handyperson causes any breakage 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 CT?
There are different types of handyworker insurance coverages to choose from. But it’s worth noting that the more coverage you ask for, the steeper 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 jobs for your clients including installing a new kitchen sink or repairing windows.
General liability insurance for handyman in Connecticut protects you in case your customer trips over your tools, and hurts 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 Connecticut – CT will cover you for that too. This form of insurance will also protect you against any injury onsite and libel, slander and defamation.
Many insurance companies will also offer the option of adding vehicle insurance, which should protect your tools against theft and damage.
If you drive a van with lots tools in it, then choose the extra car insurance option makes sense.
To figure out whether you need handyman insurance, ask yourself if you will be able to fork out for the claims from your own pocket.
Does a Handyman Need a License in Connecticut?
Even though handymen perform several types of jobs, some tasks do require a handyman license in Connecticut.
In most cases, states do not issue handyman licenses, but this also depends on how huge the job is.
For example, if the project is valued over $5000, the handyman may be asked to apply a license.
Each state has its own prerequisites for a handyworker license, and some states don’t require a handyman license such as Connecticut.
Handyperson Liability Insurance Cost – What to Expect
Handyworker insurance fees vary across insurance firms, and also depends on the kind of coverage you select.
Handypersons can expect to pay somewhere between $60 per month for general handyworker liability insurance cover.
If you want to add handyman workers compensation insurance coverage, then the cost of handyman liability insurance will be roughly $300 per month.
Ready to Get Handyman Liability Insurance in Connecticut?
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 Connecticut, so if you live in cities as an example: Norwalk, Middletown, Hartford, Meriden, Danbury, West Haven, Waterbury, Stamford, Milford, New Britain, Bridgeport, Bristol, New Haven, Shelton, Norwich, or smaller cities it does not matter to these companies.