Handyman Liability Insurance in Iowa – IA
Handyman Liability Insurance in Iowa – IA is a must have 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 individual who is employed at skilled jobs.
If you’re a handyperson, you have to buy handyman liability insurance, and here’s why!
Handyman Liability Insurance?
Get Your Free Quote
What Jobs does Handyman Do in Iowa?
But first, a handyworker is not to be mistaken for a contractor because the former is a individual who can undertake many tasks around your house.
The latter usually has some type of registered license, but can also buy handyman liability insurance in Iowa. That said, here are some common jobs handymen provide.
What are the Common Handyman Jobs in Iowa?
Even though there are plethora of services handymen provide, the tasks listed below are the most common.
This is one of the most regular jobs handyworkers provide, and is related to plumbing components in a house.
Small Business General Liability Protection:
>> Get Your Free Quote
There’s nothing more irritating than broken plumbing components in a home.
From the constant dripping havoc to the mold and mildew stemming from the excess water, it’s a big problem to deal with.
To search the cause of the leak, you will need a little expertise, for which you will have to commision a professional handyman. You can always get a plumber to do the task, but this will cost you more cash.
Handymen in the plumbing field can fix this kind of leaks and much more such as leaks and issues related to washing machines, showers, and even leaks below sinks.
The swiftly you can get these problems fixed, the better it is for the long term.
Light Fixture Installation
switching light fixtures may seem easy, but it ideally can be a mind boggling task.
A handyman can repair your light fixtures to increase the aesthetic appeal of your residence.
Get Your Business Insurance:
>> Get Your Free Quote
Some handyworkers also have the expertise to offer great ideas on upgrading your current light parts to make your residence more presentable.
If you’re a residence owner, you should already know the issues that can happen to your drywall. These dings occur when you have kids and pets.
The Good news is that fixing drywall isn’t that hard, that is if you own the right tools.
A drywall handyman not only has special knowledge and finesse, but also has the right tools for the job.
Get Your Business Insurance:
For Your Free Quote, Try NOW!
Interior and Exterior Painting
Yet another job you can mostly do yourself, but the results will not be great.
Getting the services of a handyworker makes sure you get a satisfying job done.
Quick fact: more than 20 percent of houses in America have outdoor living locations including balconies, decks and patios. These locations truly make living more enjoyable, as long as they’re in good working condition.
But due to exposure to inclement weather, outdoor areas can get broken over the years.
And as a residence owner, you probably don’t have the expertise to fix the decking yourself.
This is another common project for handyworkers, as they exhibit special skills to get the job done perfectly.
Replacing or fixing a floor in your house 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 handyworker.
And if you’re a handyman selling stuff related to flooring from your website, you should check out ecommerce business insurance in Iowa, as it will shield your online business from liability.
Even though professional roofers install roofs on homes, some handymen 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 Iowa policy.
A simple slip from a ladder could cause harm to your client or his/her property, for which they can sue your roofing business for a lot of money.
What are the Perks of Handyman Liability Insurance in Iowa (IA)?
Even if you’re the only employee of the company, you should get handyman liability insurance in IA.
As a handyman, you probably have several pieces of gadgets to complete jobs with ease.
These tools can be expensive, and can damage 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 advantage of handyman liability insurance and covers 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 house owner.
So, ask yourself, when this happens, do you have the cash to pay for these claims? Probably not, which is why you need handyman liability insurance in IA.
As a handyman in Iowa, you probably don’t receive workers compensation. This indicates that if you get hurt while performing the customer’s project, your medical bills will not be reimbursed.
Plus, if you take time off due to the harm caused to you, you will not be remunerated for the lost time. With handyworker liability insurance, you get compensated for when you take leave from work.
Should Your Handyworker have Insurance in Iowa?
You already 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 home insurance policy does provide cover compensation for handyman damage, you will still have to pay the deductible first to close the claim.
Furthermore, if the handyworker causes any destruction to stuff and people in your home, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyman Insurance in IA?
There are different types of handyperon insurance coverages to choose from. But it’s worth stating that the more coverage you sign up for, the higher 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 handyworker, you may be doing several types of projects for your clients including installing a new kitchen sink or replacing windows.
General liability insurance for handyman in Iowa shields you in case someone trips over your tools, and hurts their leg or other part of their body.
And if you mistakenly damage your client’s $100,000 antique vase, then General liability insurance for handyman in Iowa – IA 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 services will also give you 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 truck insurance option makes sense.
To determine 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 Iowa?
Even though handymen perform several kinds of jobs, some tasks do require a handyman license in Iowa.
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 provide a license.
Each state has its own prerequisites for a handyperson license, and some states don’t need a handyman license such as Iowa.
Handyperson Liability Insurance Cost – What to Expect
Handyman insurance prices vary across insurance agencies, and also depends on the type of coverage you select.
Handymen can expect to pay somewhere between $60 per month for general handyman liability insurance cover.
If you want to opt for 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 Iowa?
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 best handyman liability coverage.
We will try to provide information about online insurance companies that work in Iowa, so if you live in cities as an example: Cedar Rapids, Cedar Falls, Dubuque, Iowa City, Council Bluffs, Ankeny, Sioux City, Urbandale, Ames, Davenport, West Des Moines, Waterloo, Des Moines, or smaller cities it does not matter to these companies.