Handyman Liability Insurance in Louisiana – LA
Handyman Liability Insurance in Louisiana – LA is a an important type of insurance to have for any worker who does odd, yet highly skilled jobs.
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A handyman, also dubbed as a handyperson or handyworker is a person who works on skilled jobs.
If you’re a handyman, you should buy handyman liability insurance, and here’s why!
What Jobs does Handyman Do in Louisiana?
But first, a handyman is not to be mistaken for a contractor because the former is a person who can do many tasks around your house.
The latter generally has some sort of registered license, but can also invest in handyman liability insurance in Louisiana. That said, here are some common jobs handymen provide.
What are the Common Handyman Jobs in Louisiana?
Even though there are myriad services handymen perform, the tasks listed below are the most common.
This is one of the most common jobs handypersons provide, and is regarding plumbing components in a residence.
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There’s nothing more infuriating than malfunctioning plumbing fixtures in a home.
From the constant dripping havoc to the mold and mildew leaking from the excess water, it’s a big problem to deal with.
To locate the cause of the leak, you will need some expertise, for which you will have to hire a professional handyman. You can always call a plumber to do the task, but this will cost you more bucks.
Handymen in the plumbing domain can fix this type of leaks and much more such as leaks and problems related to washing machines, showers, and even leaks underneath sinks.
The swiftly you can get these problems fixed, the better it is for the future.
Light Fixture Installation
switching light fixtures may seem simple, but it truly can be a complex task.
A handyworker can repair your light fixtures 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 house more presentable.
If you’re a residence owner, you should already know the issues that can occur to your drywall. These dings happen when you have kids and pets.
The Good news is that fixing drywall isn’t that difficult, that is if you got the right tools.
A drywall handyman not only has special knowledge and finesse, but also has the best tools for the job.
Interior and Exterior Painting
Yet another job you can probably do yourself, but the results will not be great.
Getting the services of a handyworker ensures you get a satisfying job done.
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Quick fact: more than 20 percent of residences in America have outdoor living locations including balconies, decks and patios. These living spaces truly make living more delightful, as long as they’re in great working state.
But due to exposure to harsh weather, outdoor areas can get damaged over the years.
And as a house owner, you probably don’t have the knowledge to repair the decking yourself.
This is another common job for handypersons, as they have special skills to get the job done right.
Replacing or fixing a floor in your residence can be a tiresome 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 Louisiana, as it will shield your online business from liability.
Even though professional roofers place 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 explore separate roofing insurance in Louisiana policy.
A simple slip from a ladder could cause harm to your client or his/her home, for which they can sue your roofing company for big money.
What are the Benefits of Handyman Liability Insurance in Louisiana (LA)?
Even if you’re a single employee of the company, you should get handyman liability insurance in LA.
As a handyperson, you probably own 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 handyperson liability insurance, your tools are covered against theft, so you can replace them fast if they’re stolen.
General liability coverage is yet another perk of handyman liability insurance and shields you in case you cause damage to your customers.
For example, if you’re painting the interior of a customer’s home, and drop paint on the family pet, you may be sued by the home owner.
So, ask yourself, when this happens, do you have the money to pay for these claims? Probably not, which is why you need handyman liability insurance in LA.
As a handyworker in Louisiana, you probably don’t get workers compensation. This implies that if you get hurt while performing the customer’s project, your medical bills will not be paid.
Plus, if you take time off due to the harm caused to you, you will not be paid for the lost time. With handyman liability insurance, you get compensated for when you take days off work.
Should Your Handyperson have Insurance in Louisiana?
You mostly 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 residence 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 handyworker causes any destruction to furniture and people in your home, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyman Insurance in LA?
There are different types of handyworker insurance coverages to choose from. But it’s worth noting that the more coverage you opt for, the steeper the price.
Handyman general liability insurance is the most basic type of handyman insurance coverage, and includes property damage, medical fees legal fees and settlements.
As a handyperson, you may be hired for several types of tasks for your clients including installing a new kitchen sink or repairing windows.
General liability insurance for handyman in Louisiana shields you in case anyone trips over your tools, and injures 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 Louisiana – LA 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 protect your tools against theft and damage.
If you drive a van with many tools in it, then choose the extra vehicle insurance option makes sense.
To determine whether you need handyperson insurance, ask yourself if you will be able to compensate for the claims from your own pocket.
Does a Handyman Need a License in Louisiana?
Even though handymen perform several types of jobs, some tasks do require a handyman license in Louisiana.
In most cases, states do not give handyman licenses, but this also depends on how massive the job is.
For example, if the job 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 require a handyman license such as Louisiana.
Handyperson Liability Insurance Cost – What to Expect
Handyworker insurance fees vary across insurance firms, and also depends on the level of coverage you choose.
Handyworkers can expect to pay somewhere between $60 per month for general handyman liability insurance cover.
If you want to add handyman workers compensation insurance coverage, then the price of handyman liability insurance will be approximately $300 per month.
Ready to Get Handyman Liability Insurance in Louisiana?
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 buy the best handyman liability coverage.
We will try to provide information about online insurance companies that work in Louisiana, so if you live in cities as an example: Alexandria, Kenner, Lafayette, Baton Rouge, Lake Charles, New Orleans, Shreveport, Monroe, Bossier City, or smaller cities it does not matter to these companies.