Handyman Liability Insurance in Maine – ME
Handyman Liability Insurance in Maine – ME is a must have type of insurance to have for any worker who does odd, yet highly skilled jobs.
A handyman, also referred to 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 Maine?
But first, a handyman is not to be confused for a contractor because the former is a individual who can perform more tasks around your residence.
The latter mostly has some type of registered license, but can also invest in handyman liability insurance in Maine. That said, here are some traditional jobs handymen provide.
What are the Common Handyman Jobs in Maine?
Even though there are several services handymen offer, the services listed below are the most common.
This is one of the most common jobs handyworkers provide, and is related to plumbing parts in a house.
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There’s nothing more infuriating than damaged plumbing parts in a home.
From the constant dripping noise to the mold and mildew stemming from the extra water, it’s a big task to deal with.
To search 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 job, 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 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
fixing light fixtures may seem uncomplicated, but it ideally can be a complex task.
A handyperson can change your light components to increase the aesthetic appeal of your residence.
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Some handymen also have the expertise to offer great ideas on upgrading your current light components to make your house more presentable.
If you’re a house owner, you should already know the issues that can occur to your drywall. These dents are common 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 possesses the best tools for the job.
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Interior and Exterior Painting
Yet another task you can probably do yourself, but the results will not be satisfying.
Commissioning the services of a handyperson ensures you get a great job done.
Quick fact: more than 20 percent of residences in America have outdoor living locations including balconies, decks and patios. These areas truly make living more pleasant, as long as they’re in good working order.
But due to exposure to bad weather, outdoor locations can get broken over the years.
And as a residence owner, you probably don’t have the expertise to repair the decking yourself.
This is another common job for handymen, as they exhibit special skills to get the job done correctly.
Replacing or fixing a floor in your house can be a tiresome process. Flooring can get broken easily such as with dings and dents.
But these problems can be easily repaired by a handyman.
And if you’re a handyworker selling accessories related to flooring from your website, you must check out ecommerce business insurance in Maine, 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 handyperson dealing with roofs, then you need to explore separate roofing insurance in Maine policy.
A simple fall from a ladder could cause harm to your client or his/her house, for which they can sue your roofing company for big money.
What are the Advantages of Handyman Liability Insurance in Maine (ME)?
Even if you’re the sole employee of the company, you must have handyman liability insurance in ME.
As a handyperson, you probably have several types of equipment to complete projects with ease.
These tools can be expensive, and can damage your business in the event of theft. With handyperson liability insurance, your equipment are shielded 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 knock over paint on the family pet, you may be sued by the house owner.
So, ask yourself, when this occurs, do you have the money to pay for these claims? Probably not, which is why you need handyman liability insurance in ME.
As a handyworker in Maine, you probably don’t have workers compensation. This implies that if you get injured while performing the customer’s project, your medical tabs will not be paid.
Plus, if you take time off due to the injury 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 Handyman have Insurance in Maine?
You probably 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 compensation for handyman damage, you will still have to give the deductible first to settle the claim.
Furthermore, if the handyworker causes any destruction to things and people in your home, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyperson Insurance in ME?
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 more 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 performing several types of projects for your clients including installing a new kitchen sink or changing windows.
General liability insurance for handyman in Maine covers you in case someone 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 Maine – ME will cover you for that too. This type of insurance will also protect you against any injury onsite and libel, slander and defamation.
Many insurance companies will also offer the option of adding vehicle insurance, which should shield your tools against theft and damage.
If you drive a truck with many tools in it, then choose the extra vehicle insurance option makes sense.
To figure out whether you need handyworker insurance, ask yourself if you will be able to pay for the injury from your own pocket.
Does a Handyman Need a License in Maine?
Even though handyworkers perform several kinds of jobs, some tasks do require a handyman license in Maine.
In most cases, states do not issue handyman licenses, but this also depends on how big the job is.
For example, if the project is valued over $5000, the handyperson 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 Maine.
Handyman Liability Insurance Cost – What to Expect
Handyworker insurance costs vary across insurance firms, and also depends on the level of coverage you choose.
Handypersons can expect to pay somewhere between $60 per month for general handyworker liability insurance cover.
If you want to have handyman workers compensation insurance coverage, then the price of handyman liability insurance will be roughly $300 per month.
Ready to Get Handyman Liability Insurance in Maine?
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 invest in the best handyman liability coverage.