Handyman Liability Insurance in Missouri – MO
Handyman Liability Insurance in Missouri – MO is a crucial type of insurance to have for any person who does odd, yet highly skilled projects.
A handyman, also dubbed as a handyperson or handyworker is a person who performs skilled jobs.
If you’re a handyperson, you must buy handyman liability insurance, and here’s why!
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What Jobs does Handyman Do in Missouri?
But first, a handyworker is not to be mistaken for a contractor because the former is a fellow who can perform seevral tasks around your house.
The latter mostly has some type of registered license, but can also get handyman liability insurance in Missouri. That said, here are some common jobs handymen provide.
What are the Traditonal Handyman Jobs in Missouri?
Even though there are several services handymen offer, the tasks listed below are the most common.
This is one of the most regular jobs handypersons provide, and is related to plumbing fixtures in a home.
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There’s nothing more irritating than damaged plumbing fixtures 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 some 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 area can fix this sort of leaks and much more such as leaks and problems related to washing machines, showers, and even leaks under sinks.
The faster you can get these issues fixed, the better it is for the long term.
Light Fixture Installation
switching light fixtures may seem simple, but it really can be a mind boggling task.
A handyperson can fix your light fixtures to increase the aesthetic appeal of your home.
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Some handymen also have the knowledge to give great ideas on upgrading your current light components to make your home more presentable.
If you’re a residence owner, you should already know the damage that can happen to your drywall. These dents are common when you have kids and pets.
The Good news is that mending drywall isn’t that complex, that is if you own the right tools.
A drywall handyworker not only has special expertise and finesse, but also possesses the accurate tools for the job.
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Interior and Exterior Painting
Yet another project you can perhaps do yourself, but the results will not be great.
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 spaces including balconies, decks and patios. These locations truly make living more enjoyable, as long as they’re in good working state.
But due to exposure to harsh weather, outdoor spaces can get broken over the years.
And as a residence owner, you probably don’t have the expertise to mend the decking yourself.
This is another common job for handypersons, as they possess special skills to get the job done correctly.
Replacing or fixing a floor in your residence can be a time consuming process. Flooring can get damaged easily such as with dings and dents.
But these problems can be easily fixed by a handyworker.
And if you’re a handyworker selling accessories related to flooring from your website, you must check out ecommerce business insurance in Missouri, as it will safeguard your online business from liability.
Even though professional roofers install roofs on buildings, 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 buy separate roofing insurance in Missouri policy.
A simple fall from a ladder could cause injury to your client or his/her house, for which they can sue your roofing agency for massive money.
What are the Benefits of Handyman Liability Insurance in Missouri (MO)?
Even if you’re a single employee of the company, you invest in handyman liability insurance in MO.
As a handyperson, you probably carry several pieces of tools to complete tasks with ease.
These tools can be pricey, and can harm your business in the event of theft. With handyworker liability insurance, your tools are shielded against theft, so you can replace them quickly if they’re stolen.
General liability coverage is yet another perk of handyman liability insurance and covers you in case you cause harm to your customers.
For example, if you’re painting the interior of a customer’s residence, and spill paint on the family pet, you may be sued by the residence owner.
So, ask yourself, when this happens, do you have the funds to pay for these claims? Probably not, which is why you should get handyman liability insurance in MO.
As a handyperson in Missouri, you probably don’t get workers compensation. This indicates that if you get hurt while performing the customer’s task, your medical expenses 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 handyworker liability insurance, you get compensated for when you take days off work.
Should Your Handyworker have Insurance in Missouri?
You probably 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 residence insurance policy does provide cover remuneration for handyman harm, you will still have to give the deductible first to close the claim.
Furthermore, if the handyworker causes any breakage to furniture and people in your home, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyworker Insurance in MO?
There are many types of handyman insurance coverages to choose from. But it’s worth noting that the more coverage you opt for, the steeper the price.
Handyman general liability insurance is the most common type of handyman insurance coverage, and includes property damage, medical fees legal fees and settlements.
As a handyman, you may be performing several types of jobs for your clients including installing a new kitchen sink or replacing windows.
General liability insurance for handyman in Missouri covers you in case someone trips over your tools, and injures 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 Missouri – MO 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 agencies will also provide 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 figure out whether you need handyperson insurance, ask yourself if you will be able to compensate for the damages from your own pocket.
Does a Handyman Need a License in Missouri?
Even though handymen perform several sorts of jobs, some tasks do require a handyman license in Missouri.
In most cases, states do not provide handyman licenses, but this also depends on how huge the job is.
For example, if the task is valued over $5000, the handyperson 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 Missouri.
Handyman Liability Insurance Cost – What to Expect
Handyworker insurance fees vary across insurance agencies, and also depends on the kind of coverage you opt for.
Handypersons can expect to pay approximately between $60 per month for general handyworker liability insurance cover.
If you want to add handyman workers compensation insurance coverage, then the cost of handyman liability insurance will be roughly $300 per month.
Ready to Get Handyman Liability Insurance in Missouri?
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.