Handyman Liability Insurance in Nebraska – NE

Handyman Liability Insurance in Nebraska – NE is a an important type of insurance to have for any individual 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 handyman, you have to buy handyman liability insurance, and here’s why!

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Handyman liability insurance in Nebraska

What Jobs does Handyman Do in Nebraska?

But first, a handyman is not to be taken for a contractor because the former is a person who can undertake seevral tasks around your residence.

The latter generally has some type of registered license, but can also get handyman liability insurance in Nebraska. That said, here are some traditional jobs handymen provide.

What are the Regular Handyman Jobs in Nebraska?

Even though there are several services handymen perform, the tasks listed below are the most common.

Plumbing

This is one of the most regular jobs handypersons provide, and is related to plumbing fixtures in a residence.

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There’s nothing more irritating than malfunctioning plumbing fixtures in a home.

From the continous dripping noise to the mold and mildew stemming from the leaking water, it’s a big issue to deal with.

To locate the cause of the leak, you will need some expertise, for which you will have to commision a professional handyman. You can always hire a plumber to do the task, but this will cost you more money.

Handymen in the plumbing domain can fix this sort 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 issues fixed, the better it is for the long term.

Light Fixture Installation

switching light fixtures may seem easy, but it ideally can be a mind boggling task.

A handyman can change your light fixtures to increase the aesthetic appeal of your residence.

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Some handypersons also have the expertise to provide great ideas on upgrading your current light components to make your house more presentable.

Drywall Repair

If you’re a residence owner, you should already know the problems that can occur to your drywall. These dings occur when you have kids and pets.

The Good news is that fixing drywall isn’t that hard, that is if you have 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 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.

Deck Repairs

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 pleasant, as long as they’re in great working state.

But due to exposure to inclement weather, outdoor spaces can get broken over the years.

And as a residence owner, you probably don’t have the expertise to repair the decking yourself.

This is another common project for handymen, as they possess special skills to get the job done correctly.

Flooring Improvements

Replacing or fixing a floor in your house can be a tiresome process. Flooring can get damaged easily such as with dings and dents.

But these problems can be easily restored by a handyperson.

And if you’re a handyperson selling things related to flooring from your website, you have to check out ecommerce business insurance in Nebraska, as it will protect your online business from liability.

Roofing

Even though professional roofers setup roofs on homes, some handypersons are skilled at repairing or replacement of shingles.

If you’re a roofer or a handyworker dealing with roofs, then you need to explore separate roofing insurance in Nebraska 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 big money.

What are the Perks of Handyman Liability Insurance in Nebraska (NE)?

Even if you’re the sole employee of the company, you must have handyman liability insurance in NE.

As a handyperson, you probably have several types of gadgets to complete tasks with ease.

These tools can be expensive, 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 easily if they’re stolen.

General liability coverage is yet another benefit of handyman liability insurance and shields you in case you cause harm to your customers.

For example, if you’re painting the interior of a customer’s house, 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 need handyman liability insurance in NE.

As a handyperson in Nebraska, you probably don’t have workers compensation. This means that if you get harmed while performing the customer’s project, your medical expenses will not be covered.

Plus, if you take time off due to the damage caused to you, you will not be remunerated for the lost time. With handyperson liability insurance, you get remunerated for when you take leave from work.

Should Your Handyperson have Insurance in Nebraska?

You already have homeowner’s insurance, but does it cover 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 damage 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 NE?

There are several types of handyman insurance coverages to choose from. But it’s worth stating that the more coverage you sign up 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 handyperson, you may be doing several types of tasks for your clients including installing a new kitchen sink or changing windows.

General liability insurance for handyman in Nebraska covers you in case someone trips over your tools, and injures 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 Nebraska – NE will cover you for that too. This type of insurance will also protect you against any injury onsite and libel, slander and defamation.

Many insurance agencies will also provide the option of adding vehicle insurance, which should shield your tools against theft and damage.

If you drive a vehicle with many tools in it, then choose the extra truck insurance option makes sense.

To understand whether you need handyman insurance, ask yourself if you will be able to compensate for the damages from your own pocket.

Does a Handyman Need a License in Nebraska?

Even though handymen perform several kinds of jobs, some tasks do require a handyman license in Nebraska.

In most cases, states do not provide handyman licenses, but this also depends on how huge the job is.

For example, if the job is valued over $5000, the handyman may be asked to apply a license.

Each state has its own prerequisites for a handyman license, and some states don’t need a handyman license such as Nebraska.

Handyperson Liability Insurance Cost – What to Expect

Handyworker insurance fees vary across insurance companies, and also depends on the type of coverage you select.

Handypersons can expect to pay approximately between $60 per month for general handyman liability insurance cover.

If you want to have handyman workers compensation insurance coverage, then the price of handyman liability insurance will be somewhere around $300 per month.

Ready to Get Handyman Liability Insurance in Nebraska?

When choosing 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.

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