Handyman Liability Insurance in Georgia – GA
Handyman Liability Insurance in Georgia – GA is a crucial type of insurance to have for any worker who does odd, yet highly skilled tasks.
A handyman, also known as a handyperson or handyworker is a individual who works on skilled jobs.
If you’re a handyperson, you must buy handyman liability insurance, and here’s why!
Handyman Liability Insurance?
Get Your Free Quote
What Jobs does Handyman Do in Georgia?
But first, a handyman is not to be mistaken for a contractor because the former is a person who can undertake seevral tasks around your home.
The latter mostly has some type of registered license, but can also invest in handyman liability insurance in Georgia. That said, here are some regular jobs handymen provide.
What are the Regular Handyman Jobs in Georgia?
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 deals with plumbing fixtures in a house.
Small Business General Liability Protection:
>> Get Your Free Quote
There’s nothing more annoying than damaged plumbing fixtures in a home.
From the constant dripping noise to the mold and mildew leaking from the excess water, it’s a big task to deal with.
To find 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 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 issues related to washing machines, showers, and even leaks under sinks.
The faster you can get these damages fixed, the better it is for the time ahead.
Light Fixture Installation
fixing light fixtures may seem easy, but it really can be a tough task.
A handyworker can fix your light components to increase the aesthetic appeal of your house.
Get Your Business Insurance:
>> Get Your Free Quote
Some handymen also have the prowess to provide great ideas on upgrading your current light parts to make your residence more presentable.
If you’re a house owner, you should already know the issues that can take place to your drywall. These dings 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 handyworker not only has special skill and finesse, but also possesses the accurate tools for the job.
Get Your Business Insurance:
For Your Free Quote, Try NOW!
Interior and Exterior Painting
Yet another task you can probably do yourself, but the results will not be great.
Hiring the services of a handyworker guarantees you get a good job done.
Quick fact: more than 20 percent of homes in America have outdoor living spaces including balconies, decks and patios. These living spaces truly make living more enjoyable, as long as they’re in good working condition.
But due to exposure to harsh weather, outdoor areas can get damaged over the years.
And as a house owner, you probably don’t have the expertise to fix 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 house can be a tiresome process. Flooring can get ruptured easily such as with dings and dents.
But these problems can be easily fixed by a handyworker.
And if you’re a handyworker selling stuff related to flooring from your website, you have to check out ecommerce business insurance in Georgia, as it will shield your online business from liability.
Even though professional roofers setup roofs on houses, some handyworkers 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 Georgia policy.
A simple slip from a ladder could cause damage to your client or his/her home, for which they can sue your roofing business for a lot of money.
What are the Benefits of Handyman Liability Insurance in Georgia (GA)?
Even if you’re the sole employee of the company, you should get handyman liability insurance in GA.
As a handyworker, you probably carry several pieces of gadgets to complete jobs with ease.
These tools can be costly, and can damage your business in the event of theft. With handyperson liability insurance, your tools are protected 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 injury to your customers.
For example, if you’re painting the outside of a customer’s home, 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 funds to pay for these claims? Probably not, which is why you need handyman liability insurance in GA.
As a handyman in Georgia, you probably don’t have workers compensation. This indicates that if you get harmed while performing the customer’s project, your medical bills 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 handyman liability insurance, you get remunerated for when you take days off work.
Should Your Handyworker have Insurance in Georgia?
You probably have homeowner’s insurance, but does it shield you against harm caused to a 3rd party — your handyperson? The answer is probably not!
Even if your residence insurance policy does provide cover coverage for handyman injury, you will still have to give the deductible first to end the claim.
Furthermore, if the handyworker causes any damage to stuff and people in your property, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyworker Insurance in GA?
There are many types of handyman insurance coverages to choose from. But it’s worth noting that the more coverage you sign up 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 handyworker, 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 Georgia protects you in case anyone trips over your tools, and hurts 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 Georgia – GA 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 provide 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 vehicle insurance option makes sense.
To determine whether you need handyperson insurance, ask yourself if you will be able to compensate for the claims from your own pocket.
Does a Handyman Need a License in Georgia?
Even though handyworkers perform several sorts of jobs, some tasks do require a handyman license in Georgia.
In most cases, states do not provide handyman licenses, but this also depends on how massive the job is.
For example, if the project is valued over $5000, the handyperson may be asked to provide a license.
Each state has its own requirements for a handyperson license, and some states don’t issue a handyman license such as Georgia.
Handyworker Liability Insurance Cost – What to Expect
Handyperson insurance prices vary across insurance agencies, and also depends on the kind of coverage you choose.
Handymen can expect to pay somewhere between $60 per month for general handyman liability insurance cover.
If you want to have handyman workers compensation insurance coverage, then the price of handyman liability insurance will be roughly $300 per month.
Ready to Get Handyman Liability Insurance in Georgia?
When opting for 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 get the best handyman liability coverage.
We will try to provide information about online insurance companies that work in Georgia, so if you live in cities as an example: Atlanta, Valdosta, Albany, Johns Creek, Dunwoody, Roswell, Sandy Springs, Peachtree Corners, Alpharetta, Augusta-Richmond County, Marietta, Macon, Warner Robins, Smyrna, Brookhaven, Savannah, Athens-Clarke County, Columbus, or smaller cities it does not matter to these companies.