Handyman Liability Insurance in Minnesota – MN
Handyman Liability Insurance in Minnesota – MN is a crucial type of insurance to have for any worker who does odd, yet highly skilled tasks.
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A handyman, also referred to as a handyperson or handyworker is a individual who performs skilled jobs.
If you’re a handyperson, you should buy handyman liability insurance, and here’s why!
What Jobs does Handyman Do in Minnesota?
But first, a handyperson is not to be mistaken for a contractor because the former is a fellow who can undertake many tasks around your home.
The latter usually has some sort of registered license, but can also get handyman liability insurance in Minnesota. That said, here are some traditional jobs handymen provide.
What are the Traditonal Handyman Jobs in Minnesota?
Even though there are several services handymen perform, the tasks listed below are the most common.
This is one of the most traditional jobs handypersons provide, and deals with plumbing fixtures in a residence.
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There’s nothing more infuriating than damaged plumbing parts in a home.
From the constant dripping sound to the mold and mildew stemming from the leaking water, it’s a big task to deal with.
To locate the cause of the leak, you will need a little expertise, for which you will have to commision a professional handyman. You can always call a plumber to do the task, but this will cost you more bucks.
Handymen in the plumbing field can fix this kind 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 damages fixed, the better it is for the time ahead.
Light Fixture Installation
Changing light fixtures may seem easy, but it ideally can be a complex task.
A handyman can change your light components to increase the aesthetic appeal of your home.
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Some handypersons also have the knowledge to provide great ideas on upgrading your current light parts to make your home more presentable.
If you’re a house owner, you should already know the issues that can take place to your drywall. These damages occur when you have kids and pets.
The Good news is that repairing drywall isn’t that hard, that is if you have the right tools.
A drywall handyperson 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 job you can mostly do yourself, but the results will not be good.
Getting the services of a handyworker guarantees you get a good job done.
Quick fact: more than 20 percent of houses in America have outdoor living areas including balconies, decks and patios. These living spaces truly make living more pleasant, as long as they’re in great working order.
But due to exposure to inclement weather, outdoor spaces can get damaged over the years.
And as a residence owner, you probably don’t have the skills to repair the decking yourself.
This is another common task for handymen, as they possess special skills to get the job done perfectly.
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 problems can be easily repaired by a handyman.
And if you’re a handyperson selling stuff related to flooring from your website, you should check out ecommerce business insurance in Minnesota, as it will safeguard your online business from liability.
Even though professional roofers install roofs on homes, some handyworkers are skilled at repairing or replacement of shingles.
If you’re a roofer or a handyperson dealing with roofs, then you need to get separate roofing insurance in Minnesota policy.
A simple fall from a ladder could cause injury to your client or his/her home, for which they can sue your roofing agency for a lot of money.
What are the Advantages of Handyman Liability Insurance in Minnesota (MN)?
Even if you’re the only employee of the company, you must have handyman liability insurance in MN.
As a handyman, you probably carry several pieces of tools to complete projects with ease.
These tools can be expensive, and can damage your business in the event of theft. With handyworker liability insurance, your equipment are shielded against theft, so you can replace them easily 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 spill paint on the family pet, you may be sued by the home owner.
So, ask yourself, when this takes place, do you have the funds to pay for these claims? Probably not, which is why you need handyman liability insurance in MN.
As a handyperson in Minnesota, you probably don’t get workers compensation. This means that if you get hurt while performing the customer’s task, your medical bills will not be covered.
Plus, if you take time off due to the damage caused to you, you will not be compensated for the lost time. With handyworker liability insurance, you get compensated for when you take leave from work.
Should Your Handyman have Insurance in Minnesota?
You already have homeowner’s insurance, but does it shield you against injury caused to a 3rd party — your handyworker? The answer is probably not!
Even if your home insurance policy does provide cover compensation for handyman harm, you will still have to pay the deductible first to settle the claim.
Furthermore, if the handyperson causes any damage to stuff and people in your home, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyworker Insurance in MN?
There are different types of handyperon insurance coverages to choose from. But it’s worth mentioning that the more coverage you ask for, the higher 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 handyworker, 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 Minnesota 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 Minnesota – MN will cover you for that too. This form of insurance will also shield you against any injury onsite and libel, slander and defamation.
Many insurance companies will also offer the option of adding vehicle insurance, which should protect your tools against theft and damage.
If you drive a truck with several tools in it, then choose the extra vehicle insurance option makes sense.
To understand whether you need handyworker insurance, ask yourself if you will be able to pay for the claims from your own pocket.
Does a Handyman Need a License in Minnesota?
Even though handypersons perform several sorts of jobs, some tasks do require a handyman license in Minnesota.
In most cases, states do not issue handyman licenses, but this also depends on how massive the job is.
For example, if the project is valued over $5000, the handyman may be asked to apply a license.
Each state has its own requirements for a handyperson license, and some states don’t require a handyman license such as Minnesota.
Handyworker Liability Insurance Cost – What to Expect
Handyworker insurance costs vary across insurance firms, and also depends on the level of coverage you choose.
Handymen can expect to pay anywhere 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 Minnesota?
When selecting the best handyman liability insurance cover, pay attention to the terms and conditions.
Further, don’t forget to seek clarification about any questions you may have, so that you get the proper handyman liability coverage.