Handyman Liability Insurance in Hawaii – HI
Handyman Liability Insurance in Hawaii – HI is a must have type of insurance to have for any worker who does odd, yet highly skilled tasks.
A handyman, also referred to as a handyperson or handyworker is a fellow who works on skilled jobs.
If you’re a handyworker, you have to buy handyman liability insurance, and here’s why!
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What Jobs does Handyman Do in Hawaii?
But first, a handyworker is not to be mistaken for a contractor because the former is a person who can do many tasks around your residence.
The latter usually has some kind of registered license, but can also buy handyman liability insurance in Hawaii. That said, here are some regular jobs handymen provide.
What are the Traditonal Handyman Jobs in Hawaii?
Even though there are myriad services handymen offer, the jobs listed below are the most common.
This is one of the most common jobs handymen provide, and is related to plumbing fixtures in a house.
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There’s nothing more irritating than damaged plumbing parts in a home.
From the continual dripping noise to the mold and mildew stemming from the extra water, it’s a big issue to deal with.
To search the cause of the leak, you will need some expertise, for which you will have to commision a professional handyman. You can always call a plumber to do the job, but this will cost you more money.
Handymen in the plumbing domain can fix this type 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 damages fixed, the better it is for the future.
Light Fixture Installation
fixing light fixtures may seem uncomplicated, but it truly can be a complex task.
A handyworker can change your light components to increase the aesthetic appeal of your house.
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Some handyworkers also have the knowledge to offer great ideas on upgrading your current light fixtures to make your home more presentable.
If you’re a house owner, you should already know the issues that can occur to your drywall. These damages happen 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 handyperson not only has special skill and finesse, but also possesses the right tools for the job.
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Interior and Exterior Painting
Yet another task you can mostly do yourself, but the results will not be good.
Hiring the services of a handyperson 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 pleasant, as long as they’re in good working order.
But due to exposure to harsh weather, outdoor spaces can get damaged over the years.
And as a house owner, you probably don’t have the skills to fix the decking yourself.
This is another common task for handyworkers, as they possess special skills to get the job done right.
Replacing or fixing a floor in your house can be a time consuming process. Flooring can get damaged easily such as with dings and dents.
But these problems can be easily fixed by a handyworker.
And if you’re a handyperson selling accessories related to flooring from your website, you should check out ecommerce business insurance in Hawaii, as it will safeguard your online business from liability.
Even though professional roofers place roofs on homes, some handyworkers are skilled at repairing or replacement of shingles.
If you’re a roofer or a handyman dealing with roofs, then you need to explore separate roofing insurance in Hawaii policy.
A simple fall from a ladder could cause injury to your client or his/her home, for which they can sue your roofing company for massive money.
What are the Advantages of Handyman Liability Insurance in Hawaii (HI)?
Even if you’re a single employee of the company, you invest in handyman liability insurance in HI.
As a handyperson, you probably own several types of gadgets to complete tasks with ease.
These tools can be expensive, and can damage your business in the event of theft. With handyman liability insurance, your equipment 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 protects you in case you cause harm to your customers.
For example, if you’re painting the interior of a customer’s house, and knock over paint on the family pet, you may be sued by the residence owner.
So, ask yourself, when this takes place, do you have the cash to pay for these claims? Probably not, which is why you need handyman liability insurance in HI.
As a handyperson in Hawaii, you probably don’t receive workers compensation. This implies that if you get hurt while performing the customer’s job, your medical expenses will not be reimbursed.
Plus, if you take time off due to the damage caused to you, you will not be paid for the lost time. With handyman liability insurance, you get remunerated for when you take days off work.
Should Your Handyworker have Insurance in Hawaii?
You probably have homeowner’s insurance, but does it cover you against injury caused to a 3rd party — your handyman? The answer is probably not!
Even if your residence insurance policy does provide cover coverage for handyman damage, you will still have to give the deductible first to end the claim.
Furthermore, if the handyperson causes any breakage to stuff and people in your property, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyperson Insurance in HI?
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 traditional 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 Hawaii covers you in case someone 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 Hawaii – HI 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 companies will also offer the option of adding vehicle insurance, which should cover your tools against theft and damage.
If you drive a vehicle with several tools in it, then choose the extra vehicle insurance option makes sense.
To figure out whether you need handyworker insurance, ask yourself if you will be able to pay for the damages from your own pocket.
Does a Handyman Need a License in Hawaii?
Even though handypersons perform several kinds of jobs, some tasks do require a handyman license in Hawaii.
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 apply a license.
Each state has its own criteria for a handyman license, and some states don’t need a handyman license such as Hawaii.
Handyworker Liability Insurance Cost – What to Expect
Handyworker insurance fees vary across insurance agencies, and also depends on the level of coverage you choose.
Handymen can expect to pay anywhere 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 somewhere around $300 per month.
Ready to Get Handyman Liability Insurance in Hawaii?
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 right handyman liability coverage.