Handyman Liability Insurance in District of Columbia – DC
Handyman Liability Insurance in District of Columbia – DC is a crucial type of insurance to have for any person who does odd, yet highly skilled jobs.
A handyman, also dubbed as a handyperson or handyworker is a fellow who performs skilled jobs.
If you’re a handyperson, you have to buy handyman liability insurance, and here’s why!
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What Jobs does Handyman Do in District of Columbia?
But first, a handyperson is not to be mistaken for a contractor because the former is a fellow who can do many tasks around your residence.
The latter usually has some sort of registered license, but can also get handyman liability insurance in District of Columbia. That said, here are some common jobs handymen provide.
What are the Common Handyman Jobs in District of Columbia?
Even though there are several services handymen provide, the tasks listed below are the most common.
This is one of the most traditional jobs handypersons provide, and is regarding plumbing parts in a residence.
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There’s nothing more annoying than broken plumbing parts in a home.
From the constant 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 industry expertise, for which you will have to hire a professional handyman. You can always call a plumber to do the job, but this will cost you more cash.
Handymen in the plumbing domain can fix this kind of leaks and much more such as leaks and problems related to washing machines, showers, and even leaks underneath sinks.
The quicker you can get these problems fixed, the better it is for the future.
Light Fixture Installation
fixing light fixtures may seem simple, but it ideally can be a tough task.
A handyperson can repair your light fixtures to increase the aesthetic appeal of your house.
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Some handyworkers also have the knowledge to give great ideas on upgrading your current light components to make your residence more presentable.
If you’re a home owner, you should already know the damage that can occur to your drywall. These damages occur when you have kids and pets.
The Good news is that fixing drywall isn’t that hard, that is if you got the right tools.
A drywall handyworker not only has special skill and finesse, but also possesses the best tools for the job.
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Interior and Exterior Painting
Yet another project you can mostly do yourself, but the results will not be good.
Getting the services of a handyman makes sure you get a satisfying job done.
Quick fact: more than 20 percent of homes in America have outdoor living locations including balconies, decks and patios. These living spaces truly make living more delightful, as long as they’re in good 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 fix the decking yourself.
This is another common task for handypersons, as they have special skills to get the job done correctly.
Replacing or fixing a floor in your home can be a daunting process. Flooring can get damaged easily such as with dings and dents.
But these issues can be easily restored by a handyworker.
And if you’re a handyworker selling things related to flooring from your website, you must check out ecommerce business insurance in District of Columbia, as it will shield your online business from liability.
Even though professional roofers setup roofs on buildings, some handymen 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 District of Columbia 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 District of Columbia (DC)?
Even if you’re the sole employee of the company, you should get handyman liability insurance in DC.
As a handyman, you probably own several types of gadgets to complete tasks with ease.
These tools can be costly, and can hurt your business in the event of theft. With handyworker liability insurance, your gadgets are covered against theft, so you can replace them quickly if they’re stolen.
General liability coverage is yet another advantage of handyman liability insurance and shields you in case you cause damage to your customers.
For example, if you’re painting the outside of a customer’s house, and spill paint on the family pet, you may be sued by the house 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 DC.
As a handyperson in District of Columbia, you probably don’t have workers compensation. This implies that if you get hurt while performing the customer’s project, your medical tabs will not be reimbursed.
Plus, if you take time off due to the damage caused to you, you will not be remunerated for the lost time. With handyperson liability insurance, you get compensated for when you take days off work.
Should Your Handyman have Insurance in District of Columbia?
You probably have homeowner’s insurance, but does it protect you against injury 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 breakage to things and people in your property, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyperson Insurance in DC?
There are several types of handyperon insurance coverages to choose from. But it’s worth stating that the more coverage you sign up for, the steeper the price.
Handyman general liability insurance is the most common type of handyman insurance coverage, and includes property damage, medical fees legal fees and settlements.
As a handyman, you may be doing several types of jobs for your clients including installing a new kitchen sink or repairing windows.
General liability insurance for handyman in District of Columbia shields you in case anyone trips over your tools, and breaks their leg or other part of their body.
And if you mistakenly break your client’s $100,000 antique vase, then General liability insurance for handyman in District of Columbia – DC 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 agencies will also give you the option of adding vehicle insurance, which should shield your tools against theft and damage.
If you drive a van 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 damages from your own pocket.
Does a Handyman Need a License in District of Columbia?
Even though handymen perform several kinds of jobs, some tasks do require a handyman license in District of Columbia.
In most cases, states do not give 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 handyworker license, and some states don’t require a handyman license such as District of Columbia.
Handyperson Liability Insurance Cost – What to Expect
Handyperson insurance fees vary across insurance firms, and also depends on the level of coverage you choose.
Handyworkers can expect to pay anywhere between $60 per month for general handyman liability insurance cover.
If you want to have handyman workers compensation insurance coverage, then the premium of handyman liability insurance will be somewhere around $300 per month.
Ready to Get Handyman Liability Insurance in District of Columbia?
When selecting 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.