Handyman Liability Insurance in Indiana – IN
Handyman Liability Insurance in Indiana – IN is a crucial type of insurance to have for any individual who does odd, yet highly skilled projects.
A handyman, also known as a handyperson or handyworker is a fellow who is employed at 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 Indiana?
But first, a handyworker is not to be confused for a contractor because the former is a person who can perform more tasks around your house.
The latter mostly has some kind of registered license, but can also get handyman liability insurance in Indiana. That said, here are some traditional jobs handymen provide.
What are the Traditonal Handyman Jobs in Indiana?
Even though there are myriad services handymen perform, the jobs listed below are the most common.
This is one of the most regular jobs handymen provide, and is related to plumbing parts in a house.
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There’s nothing more infuriating than broken plumbing fixtures in a home.
From the continual dripping sound to the mold and mildew stemming from the leaking water, it’s a big issue to deal with.
To locate the cause of the leak, you will need a little expertise, for which you will have to opt for a professional handyman. You can always hire a plumber to do the task, but this will cost you more money.
Handymen in the plumbing area can fix this kind of leaks and much more such as leaks and issues related to washing machines, showers, and even leaks under sinks.
The quicker you can get these issues fixed, the better it is for the long term.
Light Fixture Installation
Changing light fixtures may seem uncomplicated, but it truly can be a tough task.
A handyworker can fix your light components to increase the aesthetic appeal of your home.
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Some handymen also have the prowess to offer great ideas on upgrading your current light parts to make your house more presentable.
If you’re a residence owner, you should already know the problems that can take place to your drywall. These dings occur when you have kids and pets.
The Good news is that repairing drywall isn’t that complex, that is if you own the right tools.
A drywall handyman 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 project you can probably do yourself, but the results will not be satisfying.
Commissioning the services of a handyworker makes sure you get a satisfying job done.
Quick fact: more than 20 percent of homes in America have outdoor living areas including balconies, decks and patios. These locations truly make living more delightful, as long as they’re in great working order.
But due to exposure to bad weather, outdoor locations can get broken over the years.
And as a home owner, you probably don’t have the skills to repair the decking yourself.
This is another common job for handyworkers, as they possess special skills to get the job done correctly.
Replacing or fixing a floor in your residence can be a time consuming process. Flooring can get damaged easily such as with dings and dents.
But these problems can be easily restored by a handyperson.
And if you’re a handyman selling things related to flooring from your website, you have to check out ecommerce business insurance in Indiana, as it will safeguard your online business from liability.
Even though professional roofers setup roofs on homes, 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 buy separate roofing insurance in Indiana policy.
A simple trip from a ladder could cause harm to your client or his/her property, for which they can sue your roofing agency for a lot of money.
What are the Perks of Handyman Liability Insurance in Indiana (IN)?
Even if you’re a single employee of the company, you invest in handyman liability insurance in IN.
As a handyperson, you probably have several pieces of tools to complete jobs with ease.
These tools can be costly, and can harm your business in the event of theft. With handyperson liability insurance, your gadgets are covered against theft, so you can replace them quickly if they’re stolen.
General liability coverage is yet another perk of handyman liability insurance and covers you in case you cause injury to your customers.
For example, if you’re painting the interior of a customer’s house, and spill paint on the family pet, you may be sued by the residence 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 IN.
As a handyman in Indiana, you probably don’t get workers compensation. This means that if you get injured while performing the customer’s job, your medical expenses will not be covered.
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 remunerated for when you take time off work.
Should Your Handyman have Insurance in Indiana?
You already have homeowner’s insurance, but does it protect you against harm caused to a 3rd party — your handyperson? The answer is probably not!
Even if your home insurance policy does provide cover compensation for handyman harm, you will still have to give the deductible first to end the claim.
Furthermore, if the handyman causes any damage to furniture and people in your home, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyworker Insurance in IN?
There are many types of handyperon insurance coverages to choose from. But it’s worth mentioning that the more coverage you ask for, the steeper the price.
Handyman general liability insurance is the most traditional type of handyman insurance coverage, and covers property damage, medical fees legal fees and settlements.
As a handyperson, you may be performing several types of tasks for your clients including installing a new kitchen sink or replacing windows.
General liability insurance for handyman in Indiana covers you in case anyone trips over your tools, and hurts their leg or other part of their body.
And if you mistakenly drop your client’s $100,000 antique vase, then General liability insurance for handyman in Indiana – IN will cover you for that too. This kind of insurance will also shield you against any injury onsite and libel, slander and defamation.
Many insurance agencies 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 understand whether you need handyperson insurance, ask yourself if you will be able to fork out for the injury from your own pocket.
Does a Handyman Need a License in Indiana?
Even though handypersons perform several kinds of jobs, some tasks do require a handyman license in Indiana.
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 issue a handyman license such as Indiana.
Handyman Liability Insurance Cost – What to Expect
Handyworker insurance prices vary across insurance companies, and also depends on the type of coverage you select.
Handyworkers can expect to pay approximately between $60 per month for general handyman liability insurance cover.
If you want to add handyman workers compensation insurance coverage, then the cost of handyman liability insurance will be approximately $300 per month.
Ready to Get Handyman Liability Insurance in Indiana?
When selecting the best handyman liability insurance cover, pay attention to the terms and conditions.
Furthermore, don’t forget to seek clarification about any questions you may have so that you get the proper handyman liability coverage.
We will try to provide information about online insurance companies that work in Indiana, so if you live in cities as an example: Jeffersonville, Fishers, Kokomo, South Bend, Columbus, Bloomington, Lafayette, Mishawaka, Muncie, Noblesville, Carmel, Hammond, Greenwood, Fort Wayne, Gary, Lawrence, Anderson, Elkhart, Evansville, Terre Haute, Indianapolis, or smaller cities it does not matter to these companies.