Handyman Liability Insurance in Florida – FL
Handyman Liability Insurance in Florida – FL is an important type of insurance to have for any worker who does odd, yet highly skilled jobs.
A handyman, also known as a handyperson or handy worker is a fellow who performs skilled jobs.
If you’re a handy worker, you should buy handyman liability insurance, and here’s why!
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What Jobs does Handyman Do in Florida?
But first, a handyman is not to be mistaken for a contractor because the former is an individual who can do several tasks around your house.
The latter mostly has some sort of registered license, but can also invest in handyman liability insurance in Florida. That said, here are some traditional jobs handymen provide.
What are the Traditional Handyman Jobs in Florida?
Even though there are a plethora of services handymen perform, the tasks listed below are the most common.
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This is one of the most regular jobs handypersons provide and is related to plumbing parts in a home.
There’s nothing more infuriating than malfunctioning plumbing components in a home.
From the constant dripping sound to the mold and mildew leaking from the excess water, it’s a big task to deal with.
To search for the cause of the leak, you will need some expertise, for which you will have to opt for a professional handyman. You can always call a plumber to do the work, but this will cost you more cash.
Handymen in the plumbing domain can fix this sort 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 issues fixed, the better it is for the future.
Light Fixture Installation
fixing light fixtures may seem uncomplicated, but it really can be a mind-boggling task.
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A handyperson can repair your light parts to increase the aesthetic appeal of your home.
Some handypersons also have the expertise to offer great ideas on upgrading your current light fixtures to make your residence more presentable.
If you’re a residence 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 mending drywall isn’t that hard, that is if you got the right tools.
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A drywall handyperson not only has special skills and finesse but also has the right tools for the job.
Interior and Exterior Painting
Yet another project you can perhaps do yourself, but the results will not be great.
Hiring the services of a handy worker ensures you get a good job done.
Quick fact: more than 20 percent of houses 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 an excellent working state.
But due to exposure to inclement weather, outdoor locations can get damaged over the years.
And as a residence owner, you probably don’t have the expertise to repair the decking yourself.
This is another common task for handypersons, as they have special skills to get the job done right.
Replacing or fixing a floor in your residence can be a tiresome process. Flooring can get damaged easily such as with dings and dents.
But these things 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 e-commerce business insurance in Florida, as it will protect your online business from liability.
Even though professional roofers set up roofs on homes, some handy workers are skilled at repairing or replacement of shingles.
If you’re a roofer or a handy worker dealing with roofs, then you need to explore separate roofing insurance in Florida policy.
A simple trip from a ladder could cause damage to your client or his/her property, for which they can sue your roofing business for big money.
What are the Perks of Handyman Liability Insurance in Florida (FL)?
Even if you’re a single employee of the company, you invest in handyman liability insurance in FL.
As a handyman, you probably own several pieces of equipment to complete projects with ease.
These tools can be costly 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 advantage of handyman liability insurance and covers you in case you cause damage to your customers.
For example, if you’re painting the exterior of a customer’s residence, and drop paint on the family pet, you may be sued by the house owner.
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 FL.
As a handiwork in Florida, you probably don’t have workers’ compensation. This indicates that if you get harmed while performing the customer’s task, your medical expenses will not be covered.
Plus, if you take time off due to the injury caused to you, you will not be compensated for the lost time. With handy worker liability insurance, you get remunerated for when you take leave from work.
Should Your Handyman have Insurance in Florida?
You already have homeowner’s insurance, but does it protect you against injury caused to a 3rd party — your handyperson? The answer is probably not!
Even if your residence insurance policy does provide cover compensation for handyman injury, you will still have to pay the deductible first to settle the claim.
Furthermore, if the handyman causes any damage to furniture and people on your property, your home insurance will probably not cover it whatsoever.
What are the Different Types of Handyman Insurance in FL?
There are several types of handyperson insurance coverages to choose from. But it’s worth noting that the more coverage you ask for, the higher the price.
Handyman general liability insurance is the most common type of handyman insurance coverage and offers property damage, medical fees legal fees, and settlements.
As a handiwork, 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 Florida covers you in case your customer trips over your tools and hurts their leg or another part of their body.
And if you mistakenly damage your client’s $100,000 antique vase, then General liability insurance for handyman in Florida – FL will cover you for that too. This type 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 shield your tools against theft and damage.
If you drive a vehicle with several 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 claims from your own pocket.
Does a Handyman Need a License in Florida?
Even though handymen perform several sorts of jobs, some tasks do require a handyman license in Florida.
In most cases, states do not issue handyman licenses, but this also depends on how massive the job is.
For example, if the project is valued at over $5000, the handy worker may be asked to apply for a license.
Each state has its own requirements for a handyperson license, and some states don’t issue a handyman license such as Florida.
Handyman Liability Insurance Cost – What to Expect
Handyworker insurance prices vary across insurance firms and also depend on the type of coverage you choose.
Handymen can expect to pay somewhere between $60 per month for general handyperson liability insurance cover.
If you want to add handyman workers compensation insurance coverage, then the premium of handyman liability insurance will be roughly $300 per month.
Ready to Get Handyman Liability Insurance in Florida?
When choosing 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 Florida, so if you live in cities as an example: Titusville, Clearwater, Oakland Park, Hollywood, Daytona Beach, Pembroke Pines, St. Cloud, Fort Pierce, Tamarac, Pinellas Park, Miramar, Coral Springs, North Port, Doral, Palm Beach Gardens, Sarasota, Fort Myers, Jupiter, St. Petersburg, Bonita Springs, Greenacres, Boynton Beach, Melbourne, Fort Lauderdale, Bradenton, Hialeah, Deerfield Beach, North Miami, Palm Coast, Margate, Delray Beach, Jacksonville, Wellington, Miami Beach, Winter Garden, Gainesville, Miami, Aventura, Coral Gables, Sanford, Pompano Beach, Port Orange, Deltona, Orlando, Palm Bay, Plantation, Miami Gardens, Cape Coral, Boca Raton, Port St. Lucie, Ormond Beach, Davie, Tampa, Largo, Tallahassee, Cutler Bay, Ocoee, Altamonte Springs, Weston, Hallandale Beach, Lauderhill, Pensacola, Lakeland, Homestead, North Miami Beach, Panama City, Sunrise, Apopka, Coconut Creek, West Palm Beach, North Lauderdale, Kissimmee, Ocala , or smaller cities it does not matter to these companies.