Handyman Liability Insurance in Delaware – DE
Handyman Liability Insurance in Delaware – DE is a must have type of insurance to have for any person who does odd, yet highly skilled tasks.
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A handyman, also known as a handyperson or handyworker is a fellow who works on skilled jobs.
If you’re a handyperson, you have to buy handyman liability insurance, and here’s why!
What Jobs does Handyman Do in Delaware?
But first, a handyman is not to be confused for a contractor because the former is a fellow who can undertake seevral tasks around your home.
The latter usually has some kind of registered license, but can also invest in handyman liability insurance in Delaware. That said, here are some traditional jobs handymen provide.
What are the Common Handyman Jobs in Delaware?
Even though there are several services handymen offer, the jobs listed below are the most common.
This is one of the most common jobs handypersons provide, and is regarding 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 task to deal with.
To search the cause of the leak, you will need some expertise, for which you will have to hire a professional handyman. You can always get a plumber to do the job, 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 quicker you can get these damages fixed, the better it is for the long term.
Light Fixture Installation
Changing light fixtures may seem simple, but it truly can be a mind boggling task.
A handyworker can repair your light parts to increase the aesthetic appeal of your house.
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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 home owner, you should already know the issues that can take place to your drywall. These dents occur when you have kids and pets.
The Good news is that repairing drywall isn’t that hard, that is if you got the right tools.
A drywall handyman not only has special expertise and finesse, but also owns the accurate tools for the job.
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Interior and Exterior Painting
Yet another task you can probably do yourself, but the results will not be good.
Getting the services of a handyman makes sure you get a good job done.
Quick fact: more than 20 percent of houses in America have outdoor living spaces including balconies, decks and patios. These locations truly make living more pleasant, as long as they’re in excellent working state.
But due to exposure to inclement weather, outdoor spaces can get damaged over the years.
And as a residence owner, you probably don’t have the skills to repair the decking yourself.
This is another common job for handymen, as they have special skills to get the job done correctly.
Replacing or fixing a floor in your residence can be a time consuming process. Flooring can get ruptured easily such as with dings and dents.
But these problems can be easily fixed by a handyperson.
And if you’re a handyworker selling things related to flooring from your website, you have to check out ecommerce business insurance in Delaware, as it will shield your online business from liability.
Even though professional roofers setup roofs on houses, some handymen are skilled at repairing or replacement of shingles.
If you’re a roofer or a handyworker dealing with roofs, then you need to explore separate roofing insurance in Delaware policy.
A simple fall from a ladder could cause injury to your client or his/her property, for which they can sue your roofing company for big money.
What are the Perks of Handyman Liability Insurance in Delaware (DE)?
Even if you’re the only employee of the company, you should get handyman liability insurance in DE.
As a handyperson, you probably own several pieces of equipment to complete jobs with ease.
These tools can be expensive, and can harm your business in the event of theft. With handyworker liability insurance, your gadgets are covered against theft, so you can replace them easily if they’re stolen.
General liability coverage is yet another perk of handyman liability insurance and shields you in case you cause harm to your customers.
For example, if you’re painting the interior of a customer’s residence, and spill paint on the family pet, you may be sued by the residence owner.
So, ask yourself, when this occurs, do you have the funds to pay for these claims? Probably not, which is why you must have handyman liability insurance in DE.
As a handyworker in Delaware, you probably don’t receive workers compensation. This means that if you get injured while performing the customer’s job, your medical bills will not be reimbursed.
Plus, if you take time off due to the injury caused to you, you will not be compensated for the lost time. With handyworker liability insurance, you get paid for when you take leave from work.
Should Your Handyperson have Insurance in Delaware?
You probably 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 compensation for handyman injury, you will still have to fork out the deductible first to end the claim.
Furthermore, if the handyman 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 DE?
There are many types of handyman 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 common type of handyman insurance coverage, and covers property damage, medical fees legal fees and settlements.
As a handyman, you may be hired for several types of tasks for your clients including installing a new kitchen sink or changing windows.
General liability insurance for handyman in Delaware protects 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 Delaware – DE will cover you for that too. This kind of insurance will also protect 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 vehicle with lots tools in it, then choose the extra truck insurance option makes sense.
To figure out whether you need handyman insurance, ask yourself if you will be able to compensate for the injury from your own pocket.
Does a Handyman Need a License in Delaware?
Even though handyworkers perform several types of jobs, some tasks do require a handyman license in Delaware.
In most cases, states do not issue handyman licenses, but this also depends on how massive the job is.
For example, if the job is valued over $5000, the handyworker may be asked to provide a license.
Each state has its own requirements for a handyperson license, and some states don’t need a handyman license such as Delaware.
Handyman Liability Insurance Cost – What to Expect
Handyman insurance fees vary across insurance companies, and also depends on the type of coverage you opt for.
Handymen can expect to pay anywhere between $60 per month for general handyman liability insurance cover.
If you want to opt for 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 Delaware?
When choosing the best handyman liability insurance cover, pay attention to the terms and conditions.
Further, don’t forget to seek clarification about any questions you may have, so that you buy the right handyman liability coverage.
We will try to provide information about online insurance companies that work in Delaware, so if you live in cities for example Dover, Wilmington, or smaller cities it does not matter to these companies.