Handyman Liability Insurance in Maryland – MD
Handyman Liability Insurance in Maryland – MD is a must have type of insurance to have for any worker who does odd, yet highly skilled projects.
A handyman, also referred to as a handyperson or handyworker is a person who performs skilled jobs.
If you’re a handyworker, you must buy handyman liability insurance, and here’s why!
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What Jobs does Handyman Do in Maryland?
But first, a handyman is not to be confused for a contractor because the former is a individual who can perform seevral tasks around your residence.
The latter mostly has some sort of registered license, but can also buy handyman liability insurance in Maryland. That said, here are some common jobs handymen provide.
What are the Traditonal Handyman Jobs in Maryland?
Even though there are myriad services handymen offer, the jobs listed below are the most common.
This is one of the most regular jobs handymen provide, and is related to plumbing fixtures in a residence.
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There’s nothing more infuriating than malfunctioning plumbing parts in a home.
From the continual dripping noise to the mold and mildew stemming from the extra 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 hire a plumber to do the task, but this will cost you more cash.
Handymen in the plumbing field can fix this sort of leaks and much more such as leaks and damages 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 ideally can be a mind boggling task.
A handyworker can repair your light components to increase the aesthetic appeal of your house.
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Some handyworkers also have the prowess to offer great ideas on upgrading your current light fixtures to make your home more presentable.
If you’re a home owner, you should already know the issues that can take place to your drywall. These dents occur when you have kids and pets.
The Good news is that mending drywall isn’t that hard, that is if you own the right tools.
A drywall handyworker not only has special knowledge and finesse, but also owns the right 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 good.
Commissioning the services of a handyworker ensures 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 areas truly make living more enjoyable, as long as they’re in good working state.
But due to exposure to inclement weather, outdoor locations can get mangled over the years.
And as a home owner, you probably don’t have the expertise to repair the decking yourself.
This is another common job for handymen, as they possess special skills to get the job done right.
Replacing or fixing a floor in your house can be a time consuming process. Flooring can get broken easily such as with dings and dents.
But these problems can be easily restored 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 Maryland, as it will protect your online business from liability.
Even though professional roofers place roofs on buildings, 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 buy separate roofing insurance in Maryland policy.
A simple fall from a ladder could cause damage to your client or his/her property, for which they can sue your roofing company for massive money.
What are the Advantages of Handyman Liability Insurance in Maryland (MD)?
Even if you’re the sole employee of the company, you invest in handyman liability insurance in MD.
As a handyman, you probably own several kinds of gadgets to complete tasks with ease.
These tools can be pricey, and can hurt your business in the event of theft. With handyman liability insurance, your gadgets are covered against theft, so you can replace them quickly if they’re stolen.
General liability coverage is yet another perk of handyman liability insurance and protects you in case you cause harm to your customers.
For example, if you’re painting the exterior of a customer’s residence, and knock over paint on the family pet, you may be sued by the homeowner.
So, ask yourself, when this happens, do you have the funds to pay for these claims? Probably not, which is why you must have handyman liability insurance in MD.
As a handyman in Maryland, you probably don’t receive workers compensation. This means that if you get harmed while performing the customer’s project, your medical tabs will not be paid.
Plus, if you take time off due to the damage caused to you, you will not be remunerated for the lost time. With handyman liability insurance, you get paid for when you take days off work.
Should Your Handyworker have Insurance in Maryland?
You probably have homeowner’s insurance, but does it cover you against harm caused to a 3rd party — your handyperson? The answer is probably not!
Even if your house insurance policy does provide cover coverage for handyman injury, you will still have to give the deductible first to close the claim.
Furthermore, if the handyperson causes any damage to stuff and people in your house, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyworker Insurance in MD?
There are different types of handyperon insurance coverages to choose from. But it’s worth noting that the more coverage you sign up for, the more the price.
Handyman general liability insurance is the most traditional type of handyman insurance coverage, and offers property damage, medical fees legal fees and settlements.
As a handyperson, you may be doing several types of projects for your clients including installing a new kitchen sink or changing windows.
General liability insurance for handyman in Maryland covers you in case your customer 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 Maryland – MD will cover you for that too. This kind of insurance will also cover you against any injury onsite and libel, slander and defamation.
Many insurance services will also offer the option of adding vehicle insurance, which should shield your tools against theft and damage.
If you drive a truck with lots tools in it, then choose the extra vehicle insurance option makes sense.
To understand whether you need handyman insurance, ask yourself if you will be able to compensate for the injury from your own pocket.
Does a Handyman Need a License in Maryland?
Even though handypersons perform several sorts of jobs, some tasks do require a handyman license in Maryland.
In most cases, states do not give handyman licenses, but this also depends on how massive the job is.
For example, if the task is valued over $5000, the handyman may be asked to provide a license.
Each state has its own criteria for a handyworker license, and some states don’t issue a handyman license such as Maryland.
Handyworker Liability Insurance Cost – What to Expect
Handyperson insurance fees vary across insurance agencies, and also depends on the kind of coverage you select.
Handypersons can expect to pay approximately between $60 per month for general handyperson 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 Maryland?
When opting for 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 invest in the proper handyman liability coverage.
We will try to provide information about online insurance companies that work in Maryland, so if you live in cities for example Rockville, Annapolis, Hagerstown, Gaithersburg, Frederick, Baltimore, Bowie, or smaller cities it does not matter to these companies.