Handyman Liability Insurance in Illinois – IL
Handyman Liability Insurance in Illinois – IL is a must have type of insurance to have for any person who does odd, yet highly skilled projects.
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A handyman, also dubbed as a handyperson or handyworker is a fellow who is employed at skilled jobs.
If you’re a handyman, you have to buy handyman liability insurance, and here’s why!
What Jobs does Handyman Do in Illinois?
But first, a handyperson is not to be confused for a contractor because the former is a fellow who can perform more tasks around your house.
The latter mostly has some sort of registered license, but can also buy handyman liability insurance in Illinois. That said, here are some traditional jobs handymen provide.
What are the Regular Handyman Jobs in Illinois?
Even though there are myriad services handymen provide, the services listed below are the most common.
This is one of the most common jobs handymen provide, and is related to plumbing parts in a residence.
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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 excess water, it’s a big problem to deal with.
To locate the cause of the leak, you will need industry expertise, for which you will have to commision a professional handyman. You can always get a plumber to do the work, 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 problems related to washing machines, showers, and even leaks under sinks.
The quicker 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 tough task.
A handyperson can repair your light parts to increase the aesthetic appeal of your house.
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Some handypersons also have the knowledge to offer great ideas on upgrading your current light parts to make your house 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 repairing drywall isn’t that hard, that is if you got the right tools.
A drywall handyworker not only has special knowledge and finesse, but also has the best tools for the job.
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Interior and Exterior Painting
Yet another task you can perhaps do yourself, but the results will not be satisfying.
Getting the services of a handyperson 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 areas truly make living more delightful, as long as they’re in good working state.
But due to exposure to bad weather, outdoor areas can get mangled over the years.
And as a residence owner, you probably don’t have the skills to repair the decking yourself.
This is another common project for handyworkers, as they have special skills to get the job done correctly.
Replacing or fixing a floor in your home can be a time consuming process. Flooring can get ruptured easily such as with dings and dents.
But these problems can be easily repaired by a handyperson.
And if you’re a handyworker selling stuff related to flooring from your website, you have to check out ecommerce business insurance in Illinois, as it will shield your online business from liability.
Even though professional roofers setup roofs on buildings, some handypersons 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 Illinois policy.
A simple fall from a ladder could cause harm to your client or his/her home, for which they can sue your roofing business for massive money.
What are the Perks of Handyman Liability Insurance in Illinois (IL)?
Even if you’re the only employee of the company, you must have handyman liability insurance in IL.
As a handyworker, you probably carry several pieces of gadgets to complete projects with ease.
These tools can be pricey, 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 easily if they’re stolen.
General liability coverage is yet another advantage of handyman liability insurance and protects you in case you cause damage to your customers.
For example, if you’re painting the interior of a customer’s home, and knock over paint on the family pet, you may be sued by the home owner.
So, ask yourself, when this happens, do you have the cash to pay for these claims? Probably not, which is why you should get handyman liability insurance in IL.
As a handyman in Illinois, you probably don’t get workers compensation. This means that if you get injured while performing the customer’s job, your medical bills will not be paid.
Plus, if you take time off due to the injury caused to you, you will not be paid for the lost time. With handyman liability insurance, you get paid for when you take leave from work.
Should Your Handyworker have Insurance in Illinois?
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 home insurance policy does provide cover remuneration for handyman harm, you will still have to pay the deductible first to settle the claim.
Furthermore, if the handyperson causes any destruction to furniture and people in your property, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyman Insurance in IL?
There are several types of handyperon insurance coverages to choose from. But it’s worth stating that the more coverage you opt for, the higher the price.
Handyman general liability insurance is the most basic type of handyman insurance coverage, and offers property damage, medical fees legal fees and settlements.
As a handyman, you may be performing several types of projects for your clients including installing a new kitchen sink or repairing windows.
General liability insurance for handyman in Illinois 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 Illinois – IL will cover you for that too. This kind of insurance will also cover you against any injury onsite and libel, slander and defamation.
Many insurance companies will also give you the option of adding vehicle insurance, which should cover your tools against theft and damage.
If you drive a truck with lots tools in it, then choose the extra car insurance option makes sense.
To understand whether you need handyperson insurance, ask yourself if you will be able to pay for the damages from your own pocket.
Does a Handyman Need a License in Illinois?
Even though handymen perform several kinds of jobs, some tasks do require a handyman license in Illinois.
In most cases, states do not give handyman licenses, but this also depends on how huge the job is.
For example, if the project is valued over $5000, the handyman may be asked to get a license.
Each state has its own criteria for a handyman license, and some states don’t issue a handyman license such as Illinois.
Handyworker Liability Insurance Cost – What to Expect
Handyworker insurance prices vary across insurance companies, and also depends on the kind of coverage you opt for.
Handyworkers can expect to pay anywhere between $60 per month for general handyperson liability insurance cover.
If you want to have handyman workers compensation insurance coverage, then the cost of handyman liability insurance will be roughly $300 per month.
Ready to Get Handyman Liability Insurance in Illinois?
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 buy the right handyman liability coverage.
We will try to provide information about online insurance companies that work in Illinois, so if you live in cities as an example: Urbana, Calumet City, Decatur, Quincy, Arlington Heights, Skokie, Waukegan, Bloomington, Glenview, Mount Prospect, Chicago, Berwyn, Palatine, Wheeling, Wheaton, Plainfield, Springfield, Cicero, Aurora, Hanover Park, Bartlett, Joliet, Tinley Park, Lombard, Buffalo Grove, Schaumburg, Elgin, Elmhurst, Crystal Lake, Hoffman Estates, Oak Park, Champaign, Addison, Downers Grove, Belleville, Oak Lawn, Rockford, Moline, Des Plaines, Romeoville, Peoria, Streamwood, Park Ridge, Bolingbrook, Rock Island, DeKalb, Orland Park, Evanston, Naperville, Carpentersville, Carol Stream, Normal, or smaller cities it does not matter to these companies.