Handyman Liability Insurance in Mississippi – MS
Handyman Liability Insurance in Mississippi – MS is a crucial 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 handyworker is a individual who is employed at skilled jobs.
If you’re a handyworker, you must buy handyman liability insurance, and here’s why!
What Jobs does Handyman Do in Mississippi?
But first, a handyworker is not to be confused for a contractor because the former is a individual who can do seevral tasks around your home.
The latter usually has some kind of registered license, but can also invest in handyman liability insurance in Mississippi. That said, here are some regular jobs handymen provide.
What are the Common Handyman Jobs in Mississippi?
Even though there are several services handymen provide, the tasks listed below are the most common.
This is one of the most common jobs handypersons provide, and is regarding plumbing fixtures in a house.
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There’s nothing more infuriating than malfunctioning plumbing fixtures in a home.
From the continous dripping havoc to the mold and mildew leaking from the excess water, it’s a big issue to deal with.
To search the cause of the leak, you will need a little expertise, for which you will have to hire a professional handyman. You can always hire a plumber to do the job, but this will cost you more money.
Handymen in the plumbing area 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 faster you can get these problems fixed, the better it is for the future.
Light Fixture Installation
Changing light fixtures may seem simple, but it truly can be a tough task.
A handyman can repair your light fixtures to increase the aesthetic appeal of your home.
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Some handyworkers also have the knowledge to provide great ideas on upgrading your current light parts to make your home more presentable.
If you’re a home owner, you should already know the problems that can occur to your drywall. These dents happen when you have kids and pets.
The Good news is that fixing drywall isn’t that hard, that is if you got the right tools.
A drywall handyworker not only has special skill 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.
Hiring the services of a handyworker guarantees 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 living spaces truly make living more delightful, as long as they’re in great working state.
But due to exposure to harsh weather, outdoor spaces can get mangled over the years.
And as a residence owner, you probably don’t have the skills to mend the decking yourself.
This is another common job for handypersons, as they exhibit special skills to get the job done correctly.
Replacing or fixing a floor in your house can be a daunting process. Flooring can get ruptured easily such as with dings and dents.
But these things can be easily repaired by a handyworker.
And if you’re a handyman selling stuff related to flooring from your website, you must check out ecommerce business insurance in Mississippi, as it will shield your online business from liability.
Even though professional roofers setup roofs on houses, some handypersons 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 Mississippi policy.
A simple slip from a ladder could cause injury to your client or his/her home, for which they can sue your roofing business for big money.
What are the Perks of Handyman Liability Insurance in Mississippi (MS)?
Even if you’re a single employee of the company, you must have handyman liability insurance in MS.
As a handyperson, you probably have several pieces of gadgets to complete projects with ease.
These tools can be costly, and can damage your business in the event of theft. With handyperson liability insurance, your equipment are protected against theft, so you can replace them easily if they’re stolen.
General liability coverage is yet another benefit 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 happens, do you have the money to pay for these claims? Probably not, which is why you need handyman liability insurance in MS.
As a handyworker in Mississippi, you probably don’t have workers compensation. This indicates that if you get harmed while performing the customer’s project, your medical bills will not be covered.
Plus, if you take time off due to the harm caused to you, you will not be remunerated for the lost time. With handyperson liability insurance, you get compensated for when you take days off work.
Should Your Handyman have Insurance in Mississippi?
You mostly 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 home insurance policy does provide cover compensation for handyman damage, you will still have to pay the deductible first to end the claim.
Furthermore, if the handyperson causes any damage to furniture and people in your property, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyman Insurance in MS?
There are different types of handyperon insurance coverages to choose from. But it’s worth mentioning that the more coverage you sign up for, the higher 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 handyworker, you may be doing several types of tasks for your clients including installing a new kitchen sink or replacing windows.
General liability insurance for handyman in Mississippi covers 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 Mississippi – MS will cover you for that too. This form of insurance will also protect you against any injury onsite and libel, slander and defamation.
Many insurance services will also provide the option of adding vehicle insurance, which should cover your tools against theft and damage.
If you drive a van with many tools in it, then choose the extra car insurance option makes sense.
To figure out whether you need handyman insurance, ask yourself if you will be able to pay for the damages from your own pocket.
Does a Handyman Need a License in Mississippi?
Even though handymen perform several sorts of jobs, some tasks do require a handyman license in Mississippi.
In most cases, states do not give handyman licenses, but this also depends on how huge the job is.
For example, if the project is valued at over $5000, the handyperson may be asked to get a license.
Each state has its own criteria for a handyperson license, and some states don’t need a handyman license such as Mississippi.
Handyworker Liability Insurance Cost – What to Expect
Handyperson insurance prices vary across insurance agencies and also depend on the kind of coverage you opt for.
Handypersons can expect to pay anywhere between $60 per month for general handyworker liability insurance cover.
If you want to add 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 Mississippi?
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 buy the best handyman liability coverage.