Handyman Liability Insurance in Nevada – NV
Handyman Liability Insurance in Nevada – NV is a an important 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 handyworker, you should buy handyman liability insurance, and here’s why!
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What Jobs does Handyman Do in Nevada?
But first, a handyworker is not to be taken for a contractor because the former is a fellow who can do seevral tasks around your house.
The latter mostly has some type of registered license, but can also invest in handyman liability insurance in Nevada. That said, here are some traditional jobs handymen provide.
What are the Common Handyman Jobs in Nevada?
Even though there are myriad services handymen perform, the services listed below are the most common.
This is one of the most traditional jobs handypersons provide, and is regarding plumbing components in a home.
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There’s nothing more annoying than damaged plumbing components in a home.
From the continual dripping noise to the mold and mildew stemming from the extra water, it’s a big task 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 hire a plumber to do the work, but this will cost you more cash.
Handymen in the plumbing field can fix this kind of leaks and much more such as leaks and problems 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
switching light fixtures may seem easy, but it ideally can be a complex task.
A handyman can change your light fixtures to increase the aesthetic appeal of your house.
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Some handymen also have the expertise to offer great ideas on upgrading your current light fixtures to make your house more presentable.
If you’re a residence owner, you should already know the issues that can take place to your drywall. These dings occur when you have kids and pets.
The Good news is that repairing drywall isn’t that complex, that is if you own the right tools.
A drywall handyman 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 job you can mostly do yourself, but the results will not be great.
Commissioning the services of a handyworker 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 locations truly make living more pleasant, as long as they’re in great working state.
But due to exposure to bad weather, outdoor spaces can get damaged over the years.
And as a home owner, you probably don’t have the expertise to fix the decking yourself.
This is another common task for handymen, as they possess special skills to get the job done right.
Replacing or fixing a floor in your home can be a time consuming process. Flooring can get damaged easily such as with dings and dents.
But these issues can be easily restored by a handyperson.
And if you’re a handyperson selling accessories related to flooring from your website, you should check out ecommerce business insurance in Nevada, as it will protect your online business from liability.
Even though professional roofers install 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 buy separate roofing insurance in Nevada policy.
A simple fall from a ladder could cause harm to your client or his/her property, for which they can sue your roofing business for a lot of money.
What are the Perks of Handyman Liability Insurance in Nevada (NV)?
Even if you’re the only employee of the company, you should get handyman liability insurance in NV.
As a handyman, you probably carry several types of equipment to complete jobs with ease.
These tools can be costly, and can hurt your business in the event of theft. With handyman liability insurance, your tools are shielded against theft, so you can replace them fast if they’re stolen.
General liability coverage is yet another benefit of handyman liability insurance and protects you in case you cause damage to your customers.
For example, if you’re painting the interior of a customer’s house, and drop paint on the family pet, you may be sued by the residence owner.
So, ask yourself, when this happens, do you have the money to pay for these claims? Probably not, which is why you must have handyman liability insurance in NV.
As a handyworker in Nevada, you probably don’t have workers compensation. This implies that if you get hurt while performing the customer’s job, your medical bills will not be reimbursed.
Plus, if you take time off due to the damage caused to you, you will not be remunerated for the lost time. With handyman liability insurance, you get paid for when you take time off work.
Should Your Handyman have Insurance in Nevada?
You probably have homeowner’s insurance, but does it protect you against harm caused to a 3rd party — your handyperson? The answer is probably not!
Even if your house insurance policy does provide cover compensation for handyman harm, you will still have to give the deductible first to end the claim.
Furthermore, if the handyperson causes any destruction to things and people in your house, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyworker Insurance in NV?
There are several types of handyperon insurance coverages to choose from. But it’s worth noting that the more coverage you ask for, the more 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 handyman, 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 Nevada covers you in case anyone 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 Nevada – NV 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 agencies will also offer the option of adding vehicle insurance, which should protect your tools against theft and damage.
If you drive a van with several tools in it, then choose the extra car insurance option makes sense.
To understand whether you need handyperson insurance, ask yourself if you will be able to fork out for the injury from your own pocket.
Does a Handyman Need a License in Nevada?
Even though handymen perform several types of jobs, some tasks do require a handyman license in Nevada.
In most cases, states do not give 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 get a license.
Each state has its own criteria for a handyman license, and some states don’t need a handyman license such as Nevada.
Handyman Liability Insurance Cost – What to Expect
Handyperson insurance costs vary across insurance agencies, and also depends on the type of coverage you select.
Handymen can expect to pay approximately between $60 per month for general handyperson liability insurance cover.
If you want to add 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 Nevada?
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.