Handyman Liability Insurance in Michigan – MI
Handyman Liability Insurance in Michigan – MI is a crucial type of insurance to have for any person who does odd, yet highly skilled projects.
A handyman, also known as a handyperson or handyworker is a person who works on skilled jobs.
If you’re a handyman, you must buy handyman liability insurance, and here’s why!
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What Jobs does Handyman Do in Michigan?
But first, a handyworker is not to be taken for a contractor because the former is a person who can perform seevral tasks around your residence.
The latter mostly has some sort of registered license, but can also invest in handyman liability insurance in Michigan. That said, here are some regular jobs handymen provide.
What are the Traditonal Handyman Jobs in Michigan?
Even though there are plethora of services handymen provide, the services listed below are the most common.
This is one of the most common jobs handyworkers provide, and deals with plumbing fixtures in a house.
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There’s nothing more irritating than broken plumbing components in a home.
From the continual dripping sound to the mold and mildew released from the leaking water, it’s a big problem to deal with.
To search the cause of the leak, you will need industry expertise, for which you will have to commision a professional handyman. You can always call 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
switching light fixtures may seem simple, but it really can be a mind boggling task.
A handyperson 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 residence more presentable.
If you’re a home owner, you should already know the issues that can happen to your drywall. These dings occur when you have kids and pets.
The Good news is that mending drywall isn’t that hard, that is if you have the right tools.
A drywall handyman not only has special knowledge and finesse, but also possesses the accurate 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 satisfying.
Getting the services of a handyman ensures you get a satisfying job done.
Quick fact: more than 20 percent of residences in America have outdoor living locations including balconies, decks and patios. These locations truly make living more pleasant, as long as they’re in excellent working order.
But due to exposure to harsh weather, outdoor locations can get broken over the years.
And as a residence owner, you probably don’t have the knowledge to mend the decking yourself.
This is another common job for handypersons, as they have special skills to get the job done correctly.
Replacing or fixing a floor in your home can be a daunting process. Flooring can get ruptured easily such as with dings and dents.
But these issues can be easily repaired by a handyworker.
And if you’re a handyman selling stuff related to flooring from your website, you have to check out ecommerce business insurance in Michigan, as it will protect your online business from liability.
Even though professional roofers setup roofs on homes, some handymen are skilled at repairing or replacement of shingles.
If you’re a roofer or a handyman dealing with roofs, then you need to explore separate roofing insurance in Michigan policy.
A simple fall from a ladder could cause injury to your client or his/her house, for which they can sue your roofing business for massive money.
What are the Perks of Handyman Liability Insurance in Michigan (MI)?
Even if you’re the sole employee of the company, you must have handyman liability insurance in MI.
As a handyman, you probably own several types of tools to complete projects with ease.
These tools can be expensive, and can damage your business in the event of theft. With handyman liability insurance, your gadgets are protected against theft, so you can replace them fast if they’re stolen.
General liability coverage is yet another advantage of handyman liability insurance and covers 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 cash to pay for these claims? Probably not, which is why you must have handyman liability insurance in MI.
As a handyman in Michigan, you probably don’t have workers compensation. This implies that if you get harmed while performing the customer’s job, your medical bills will not be covered.
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 remunerated for when you take time off work.
Should Your Handyperson have Insurance in Michigan?
You probably have homeowner’s insurance, but does it shield you against injury caused to a 3rd party — your handyman? The answer is probably not!
Even if your house insurance policy does provide cover compensation for handyman injury, you will still have to pay the deductible first to settle 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 MI?
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 steeper the price.
Handyman general liability insurance is the most traditional type of handyman insurance coverage, and includes property damage, medical fees legal fees and settlements.
As a handyworker, you may be doing several types of projects for your clients including installing a new kitchen sink or replacing windows.
General liability insurance for handyman in Michigan protects you in case your customer trips over your tools, and breaks 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 Michigan – MI 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 offer the option of adding vehicle insurance, which should cover your tools against theft and damage.
If you drive a van with lots tools in it, then choose the extra vehicle insurance option makes sense.
To determine whether you need handyworker insurance, ask yourself if you will be able to fork out for the damages from your own pocket.
Does a Handyman Need a License in Michigan?
Even though handymen perform several kinds of jobs, some tasks do require a handyman license in Michigan.
In most cases, states do not provide handyman licenses, but this also depends on how massive the job is.
For example, if the task is valued over $5000, the handyworker may be asked to apply a license.
Each state has its own prerequisites for a handyman license, and some states don’t require a handyman license such as Michigan.
Handyperson Liability Insurance Cost – What to Expect
Handyman insurance fees vary across insurance agencies, and also depends on the level of coverage you choose.
Handymen can expect to pay approximately between $60 per month for general handyperson liability insurance cover.
If you want to add 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 Michigan?
When opting for 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 right handyman liability coverage.