Handyman Liability Insurance in Massachusetts – MA
Handyman Liability Insurance in Massachusetts – MA is an important type of insurance to have for any person who does odd, yet highly skilled projects.
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A handyman, also dubbed as a handyperson or handy worker is a person who performs skilled jobs.
If you’re a handyman, you should buy handyman liability insurance, and here’s why!
What Jobs does Handyman Do in Massachusetts?
But first, a handyman is not to be confused for a contractor because the former is an individual who can do several tasks around your residence.
The latter mostly have some kind of registered license, but can also invest in handyman liability insurance in Massachusetts. That said, here are some regular jobs handymen provide.
What are the Common Handyman Jobs in Massachusetts?
Even though there are myriad services handymen perform, the jobs listed below are the most common.
This is one of the most traditional jobs handymen provide and is related to plumbing fixtures in a house.
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There’s nothing more irritating than damaged plumbing fixtures in a home.
From the continuous dripping havoc to the mold and mildew stemming from the extra water, it’s a big problem to deal with.
To locate the cause of the leak, you will need industry expertise, for which you will have to opt for a professional handyman. You can always call a plumber to do the work, but this will cost you more bucks.
Handymen in the plumbing field can fix this type of leak 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 time ahead.
Light Fixture Installation
Changing light fixtures may seem simple, but it ideally can be a tough task.
A handiwork can repair your light fixtures to increase the aesthetic appeal of your home.
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Some handymen also have the expertise to provide great ideas on upgrading your current light components to make your house more presentable.
If you’re a homeowner, you should already know the problems 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 complex, that is if you got the right tools.
A drywall handy worker not only has special knowledge and finesse but also possesses the best tools for the job.
Interior and Exterior Painting
Yet another project you can probably do yourself, but the results will not be satisfying.
Hiring the services of a handyperson ensures you get a great job done.
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Quick fact: more than 20 percent of houses in America have outdoor living spaces 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 damaged over the years.
And as a residence owner, you probably don’t know to mend the decking yourself.
This is another common project for handymen, as they possess special skills to get the job done right.
Replacing or fixing a floor in your residence can be a daunting process. Flooring can get damaged easily such as with dings and dents.
But these things can be easily repaired by a handyperson.
And if you’re a handyman selling things related to flooring from your website, you have to check out e-commerce business insurance in Massachusetts, as it will protect your online business from liability.
Even though professional roofers set up roofs on homes, some handy workers are skilled at repairing or replacement of shingles.
If you’re a roofer or a handiwork dealing with roofs, then you need to explore separate roofing insurance in Massachusetts policy.
A simple trip from a ladder could cause damage to your client or his/her house, for which they can sue your roofing business for a lot of money.
What are the Advantages of Handyman Liability Insurance in Massachusetts (MA)?
Even if you’re the sole employee of the company, you invest in handyman liability insurance in MA.
As a handy worker, you probably have several pieces of gadgets to complete jobs with ease.
These tools can be expensive and can damage your business in the event of theft. With handy worker liability insurance, your tools are shielded against theft, so you can replace them quickly if they’re stolen.
General liability coverage is yet another advantage of handyman liability insurance and shields you in case you cause harm to your customers.
For example, if you’re painting the exterior of a customer’s home, and drop paint on the family pet, you may be sued by the residence 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 MA.
As a handyman in Massachusetts, you probably don’t have workers’ compensation. This means that if you get hurt while performing the customer’s job, your medical tabs 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 compensated for when you take days off work.
Should Your Handyperson have Insurance in Massachusetts?
You already have homeowner’s insurance, but does it cover 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 pay the deductible first to end the claim.
Furthermore, if the handiwork causes any damage to stuff and people in your house, your home insurance will probably not cover it whatsoever.
What are the Different Types of Handyperson Insurance in MA?
There are several types of handiwork 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 offers property damage, medical fees legal fees, and settlements.
As a handyman, you may be hired for several types of projects for your clients including installing a new kitchen sink or repairing windows.
General liability insurance for a handyman in Massachusetts covers you in case anyone trips over your tools and breaks their leg or another part of their body.
And if you mistakenly drop your client’s $100,000 antique vase, then General liability insurance for a handyman in Massachusetts – MA will cover you for that too. This form of insurance will also cover you against any injury onsite and libel, slander, and defamation.
Many insurance services will also provide the option of adding vehicle insurance, which should shield your tools against theft and damage.
If you drive a truck with lots of tools in it, then choose the extra vehicle insurance option makes sense.
To determine whether you need handyman insurance, ask yourself if you will be able to fork out for the injury from your own pocket.
Does a Handyman Need a License in Massachusetts?
Even though handy workers perform several sorts of jobs, some tasks do require a handyman license in Massachusetts.
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 at over $5000, the handyperson may be asked to apply for a license.
Each state has its own criteria for a handiwork license, and some states don’t need a handyman license such as Massachusetts.
Handyperson Liability Insurance Cost – What to Expect
Handyperson insurance fees vary across insurance firms and also depend on the kind 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 worker’s compensation insurance coverage, then the cost of handyman liability insurance will be roughly $300 per month.
Ready to Get Handyman Liability Insurance in Massachusetts?
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 buy the proper handyman liability coverage.
Note – Insurance coverage by cities:
We will try to provide information about online insurance companies that work in Massachusetts, so if you live in cities as an example: Lynn, Holyoke, Newton, Brockton, Westfield, Taunton, Woburn, Chicopee, Somerville, Beverly, Everett, Lowell, New Bedford, Boston, Chelsea, Quincy, Medford, Attleboro, Fall River, Springfield, Marlborough, Salem, Waltham, Worcester, Malden, Weymouth Town, Peabody, Barnstable Town, Pittsfield, Cambridge, Haverhill, Methuen, Leominster, Lawrence, Revere, Fitchburg, or smaller cities it does not matter to these companies.