Handyman Liability Insurance in Kentucky – KY
Handyman Liability Insurance in Kentucky – KY is a crucial type of insurance to have for any person who does odd, yet highly skilled tasks.
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A handyman, also referred to as a handyperson or handyworker is a fellow who is employed at skilled jobs.
If you’re a handyperson, you must buy handyman liability insurance, and here’s why!
What Jobs does Handyman Do in Kentucky?
But first, a handyman is not to be taken for a contractor because the former is a individual who can perform many tasks around your home.
The latter mostly has some type of registered license, but can also get handyman liability insurance in Kentucky. That said, here are some regular jobs handymen provide.
What are the Regular Handyman Jobs in Kentucky?
Even though there are plethora of services handymen offer, the services listed below are the most common.
This is one of the most traditional jobs handymen provide, and is regarding plumbing fixtures in a residence.
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There’s nothing more infuriating than broken plumbing parts in a home.
From the continual dripping sound to the mold and mildew released 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 opt for a professional handyman. You can always get a plumber to do the work, 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 swiftly you can get these issues fixed, the better it is for the future.
Light Fixture Installation
Changing light fixtures may seem uncomplicated, but it truly can be a mind boggling task.
A handyman can repair your light fixtures to increase the aesthetic appeal of your residence.
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Some handyworkers also have the expertise to offer great ideas on upgrading your current light fixtures to make your home more presentable.
If you’re a residence owner, you should already know the issues that can happen to your drywall. These damages occur when you have kids and pets.
The Good news is that fixing drywall isn’t that complex, that is if you got the right tools.
A drywall handyman not only has special knowledge and finesse, but also possesses the right tools for the job.
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Interior and Exterior Painting
Yet another job you can perhaps do yourself, but the results will not be good.
Getting the services of a handyworker guarantees you get a great 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 condition.
But due to exposure to inclement weather, outdoor areas can get broken over the years.
And as a home owner, you probably don’t have the expertise to mend the decking yourself.
This is another common job for handypersons, as they exhibit special skills to get the job done correctly.
Replacing or fixing a floor in your residence can be a daunting process. Flooring can get ruptured easily such as with dings and dents.
But these things can be easily repaired by a handyworker.
And if you’re a handyperson selling stuff related to flooring from your website, you must check out ecommerce business insurance in Kentucky, as it will protect your online business from liability.
Even though professional roofers install 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 get separate roofing insurance in Kentucky policy.
A simple fall from a ladder could cause injury to your client or his/her home, for which they can sue your roofing agency for a lot of money.
What are the Benefits of Handyman Liability Insurance in Kentucky (KY)?
Even if you’re the only employee of the company, you invest in handyman liability insurance in KY.
As a handyman, you probably carry several types of tools to complete tasks with ease.
These tools can be pricey, and can damage your business in the event of theft. With handyperson liability insurance, your equipment are covered against theft, so you can replace them fast if they’re stolen.
General liability coverage is yet another benefit of handyman liability insurance and protects you in case you cause damage to your customers.
For example, if you’re painting the outside of a customer’s residence, and spill paint on the family pet, you may be sued by the home owner.
So, ask yourself, when this takes place, do you have the money to pay for these claims? Probably not, which is why you should get handyman liability insurance in KY.
As a handyworker in Kentucky, you probably don’t receive workers compensation. This implies that if you get harmed while performing the customer’s project, your medical tabs will not be covered.
Plus, if you take time off due to the injury caused to you, you will not be remunerated for the lost time. With handyperson liability insurance, you get paid for when you take time off work.
Should Your Handyworker have Insurance in Kentucky?
You mostly have homeowner’s insurance, but does it protect you against injury caused to a 3rd party — your handyperson? The answer is probably not!
Even if your home insurance policy does provide cover coverage for handyman damage, you will still have to fork out the deductible first to close the claim.
Furthermore, if the handyperson causes any destruction to things and people in your property, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyman Insurance in KY?
There are different types of handyworker insurance coverages to choose from. But it’s worth mentioning that the more coverage you sign up for, the steeper 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 jobs for your clients including installing a new kitchen sink or replacing windows.
General liability insurance for handyman in Kentucky protects 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 Kentucky – KY 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 cover your tools against theft and damage.
If you drive a vehicle with many tools in it, then choose the extra truck insurance option makes sense.
To understand whether you need handyman insurance, ask yourself if you will be able to pay for the injury from your own pocket.
Does a Handyman Need a License in Kentucky?
Even though handypersons perform several kinds of jobs, some tasks do require a handyman license in Kentucky.
In most cases, states do not provide handyman licenses, but this also depends on how huge the job is.
For example, if the task is valued over $5000, the handyworker may be asked to get a license.
Each state has its own criteria for a handyworker license, and some states don’t need a handyman license such as Kentucky.
Handyman Liability Insurance Cost – What to Expect
Handyworker insurance prices vary across insurance firms, and also depends on the type of coverage you opt for.
Handymen can expect to pay anywhere between $60 per month for general handyperson liability insurance cover.
If you want to opt for handyman workers compensation insurance coverage, then the premium of handyman liability insurance will be roughly $300 per month.
Ready to Get Handyman Liability Insurance in Kentucky?
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 proper handyman liability coverage.
We will try to provide information about online insurance companies that work in Kentucky, so if you live in cities for example Lexington-Fayette, Bowling Green, Louisville/Jefferson County, Covington, Owensboro, or smaller cities it does not matter to these companies.