Handyman Liability Insurance in Kansas – KS
Handyman Liability Insurance in Kansas – KS is a an important type of insurance to have for any individual who does odd, yet highly skilled tasks.
A handyman, also dubbed as a handyperson or handyworker is a fellow who performs skilled jobs.
If you’re a handyman, you must buy handyman liability insurance, and here’s why!
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What Jobs does Handyman Do in Kansas?
But first, a handyman is not to be mistaken for a contractor because the former is a individual who can undertake seevral tasks around your residence.
The latter mostly has some sort of registered license, but can also get handyman liability insurance in Kansas. That said, here are some regular jobs handymen provide.
What are the Traditonal Handyman Jobs in Kansas?
Even though there are several services handymen perform, the services listed below are the most common.
This is one of the most common jobs handymen provide, and deals with plumbing components in a residence.
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There’s nothing more irritating than damaged plumbing components in a home.
From the continous dripping sound to the mold and mildew leaking from the excess water, it’s a big issue to deal with.
To find 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 cash.
Handymen in the plumbing area can fix this sort of leaks and much more such as leaks and issues related to washing machines, showers, and even leaks underneath sinks.
The quicker you can get these problems fixed, the better it is for the future.
Light Fixture Installation
Changing light fixtures may seem simple, but it really can be a tough task.
A handyperson can change your light parts to increase the aesthetic appeal of your home.
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Some handypersons also have the knowledge to offer great ideas on upgrading your current light components to make your home more presentable.
If you’re a residence owner, you should already know the damage that can happen to your drywall. These dents happen when you have kids and pets.
The Good news is that mending drywall isn’t that complex, that is if you have the right tools.
A drywall handyman not only has special expertise and finesse, but also owns 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 great.
Commissioning the services of a handyworker guarantees you get a great job done.
Quick fact: more than 20 percent of residences in America have outdoor living areas including balconies, decks and patios. These areas truly make living more delightful, as long as they’re in great working condition.
But due to exposure to inclement weather, outdoor spaces can get mangled over the years.
And as a house owner, you probably don’t have the expertise to repair 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 home can be a time consuming process. Flooring can get ruptured easily such as with dings and dents.
But these issues can be easily repaired by a handyman.
And if you’re a handyworker selling accessories related to flooring from your website, you have to check out ecommerce business insurance in Kansas, as it will protect 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 buy separate roofing insurance in Kansas policy.
A simple fall from a ladder could cause harm to your client or his/her house, for which they can sue your roofing business for a lot of money.
What are the Perks of Handyman Liability Insurance in Kansas (KS)?
Even if you’re the only employee of the company, you should get handyman liability insurance in KS.
As a handyworker, you probably carry several types of tools to complete tasks with ease.
These tools can be expensive, and can harm your business in the event of theft. With handyperson liability insurance, your equipment are shielded against theft, so you can replace them easily if they’re stolen.
General liability coverage is yet another perk of handyman liability insurance and shields you in case you cause injury to your customers.
For example, if you’re painting the exterior 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 cash to pay for these claims? Probably not, which is why you must have handyman liability insurance in KS.
As a handyman in Kansas, you probably don’t have workers compensation. This indicates that if you get injured 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 compensated for the lost time. With handyman liability insurance, you get paid for when you take leave from work.
Should Your Handyworker have Insurance in Kansas?
You mostly have homeowner’s insurance, but does it protect you against injury caused to a 3rd party — your handyman? 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 settle the claim.
Furthermore, if the handyman 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 KS?
There are different types of handyman insurance coverages to choose from. But it’s worth mentioning 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 handyworker, you may be performing several types of projects for your clients including installing a new kitchen sink or changing windows.
General liability insurance for handyman in Kansas 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 Kansas – KS 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 give you 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 understand whether you need handyworker insurance, ask yourself if you will be able to compensate for the injury from your own pocket.
Does a Handyman Need a License in Kansas?
Even though handypersons perform several kinds of jobs, some tasks do require a handyman license in Kansas.
In most cases, states do not provide 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 prerequisites for a handyworker license, and some states don’t need a handyman license such as Kansas.
Handyworker Liability Insurance Cost – What to Expect
Handyperson insurance costs vary across insurance companies, and also depend on the kind of coverage you select.
Handymen can expect to pay approximately $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 somewhere around $300 per month.
Ready to Get Handyman Liability Insurance in Kansas?
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 get the best handyman liability coverage.
We will try to provide information about online insurance companies that work in Kansas, so if you live in cities as an example: Wichita, Olathe, Shawnee, Lenexa, Overland Park, Manhattan, Kansas City, Salina, Lawrence, Hutchinson, Topeka, or smaller cities it does not matter to these companies.