Handyman Liability Insurance in Montana – MT
Handyman Liability Insurance in Montana – MT is a must have type of insurance to have for any individual who does odd, yet highly skilled jobs.
A handyman, also known as a handyperson or handyworker is a fellow 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 Montana?
But first, a handyman is not to be confused for a contractor because the former is a individual who can do seevral tasks around your home.
The latter mostly has some sort of registered license, but can also get handyman liability insurance in Montana. That said, here are some regular jobs handymen provide.
What are the Common Handyman Jobs in Montana?
Even though there are plethora of services handymen provide, the jobs listed below are the most common.
This is one of the most traditional jobs handymen provide, and is related to plumbing components in a house.
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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 leaking from the leaking water, it’s a big issue to deal with.
To find the cause of the leak, you will need industry expertise, for which you will have to commision a professional handyman. You can always hire a plumber to do the work, but this will cost you more cash.
Handymen in the plumbing area can fix this type of leaks and much more such as leaks and problems related to washing machines, showers, and even leaks under sinks.
The quicker you can get these problems fixed, the better it is for the time ahead.
Light Fixture Installation
fixing light fixtures may seem uncomplicated, but it truly can be a tough task.
A handyperson can fix your light parts to increase the aesthetic appeal of your house.
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Some handyworkers also have the knowledge to offer great ideas on upgrading your current light parts to make your residence more presentable.
If you’re a house owner, you should already know the problems that can take place to your drywall. These dents occur when you have kids and pets.
The Good news is that repairing drywall isn’t that difficult, that is if you got the right tools.
A drywall handyman not only has special expertise and finesse, but also owns the best 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.
Hiring the services of a handyperson makes sure you get a great job done.
Quick fact: more than 20 percent of residences in America have outdoor living spaces including balconies, decks and patios. These areas truly make living more delightful, as long as they’re in excellent working order.
But due to exposure to inclement weather, outdoor areas can get damaged over the years.
And as a house owner, you probably don’t have the knowledge to mend the decking yourself.
This is another common project for handyworkers, as they have special skills to get the job done right.
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 things can be easily fixed by a handyworker.
And if you’re a handyman selling accessories related to flooring from your website, you have to check out ecommerce business insurance in Montana, as it will safeguard your online business from liability.
Even though professional roofers place roofs on houses, 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 Montana policy.
A simple trip from a ladder could cause damage to your client or his/her home, for which they can sue your roofing agency for a lot of money.
What are the Benefits of Handyman Liability Insurance in Montana (MT)?
Even if you’re a single employee of the company, you invest in handyman liability insurance in MT.
As a handyman, you probably own several kinds of tools to complete jobs with ease.
These tools can be pricey, and can harm your business in the event of theft. With handyman liability insurance, your equipment 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 harm 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 residence owner.
So, ask yourself, when this occurs, do you have the funds to pay for these claims? Probably not, which is why you must have handyman liability insurance in MT.
As a handyworker in Montana, you probably don’t get workers compensation. This means that if you get harmed while performing the customer’s task, 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 handyworker liability insurance, you get compensated for when you take days off work.
Should Your Handyman have Insurance in Montana?
You already have homeowner’s insurance, but does it shield you against injury caused to a 3rd party — your handyperson? The answer is probably not!
Even if your house insurance policy does provide cover remuneration for handyman damage, you will still have to pay the deductible first to close the claim.
Furthermore, if the handyman causes any destruction to furniture and people in your home, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyperson Insurance in MT?
There are several types of handyperon insurance coverages to choose from. But it’s worth mentioning that the more coverage you opt for, the steeper the price.
Handyman general liability insurance is the most basic type of handyman insurance coverage, and covers property damage, medical fees legal fees and settlements.
As a handyperson, you may be hired for several types of jobs for your clients including installing a new kitchen sink or replacing windows.
General liability insurance for handyman in Montana shields you in case someone trips over your tools, and hurts their leg or other part of their body.
And if you mistakenly damage your client’s $100,000 antique vase, then General liability insurance for handyman in Montana – MT will cover you for that too. This kind of insurance will also shield you against any injury onsite and libel, slander and defamation.
Many insurance services will also offer the option of adding vehicle insurance, which should shield 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 claims from your own pocket.
Does a Handyman Need a License in Montana?
Even though handypersons perform several types of jobs, some tasks do require a handyman license in Montana.
In most cases, states do not provide handyman licenses, but this also depends on how big the job is.
For example, if the task is valued over $5000, the handyworker may be asked to provide a license.
Each state has its own prerequisites for a handyworker license, and some states don’t issue a handyman license such as Montana.
Handyman Liability Insurance Cost – What to Expect
Handyman insurance costs vary across insurance agencies, and also depends on the type of coverage you choose.
Handyworkers can expect to pay somewhere between $60 per month for general handyperson liability insurance cover.
If you want to opt for 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 Montana?
When choosing 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 get the right handyman liability coverage.