Handyman Liability Insurance in New Hampshire – NH
Handyman Liability Insurance in New Hampshire – NH is a an important type of insurance to have for any individual who does odd, yet highly skilled tasks.
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A handyman, also referred to as a handyperson or handyworker is a fellow who works on skilled jobs.
If you’re a handyworker, you have to buy handyman liability insurance, and here’s why!
What Jobs does Handyman Do in New Hampshire?
But first, a handyworker is not to be confused for a contractor because the former is a individual who can do more tasks around your residence.
The latter usually has some type of registered license, but can also get handyman liability insurance in New Hampshire. That said, here are some traditional jobs handymen provide.
What are the Common Handyman Jobs in New Hampshire?
Even though there are several services handymen offer, the services listed below are the most common.
This is one of the most common jobs handypersons provide, and is regarding plumbing components in a residence.
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There’s nothing more annoying than broken plumbing parts in a home.
From the constant dripping noise to the mold and mildew released from the excess water, it’s a big task 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 call a plumber to do the work, but this will cost you more bucks.
Handymen in the plumbing domain can fix this sort of leaks and much more such as leaks and damages related to washing machines, showers, and even leaks under sinks.
The faster you can get these problems fixed, the better it is for the long term.
Light Fixture Installation
Changing light fixtures may seem simple, but it truly can be a mind boggling task.
A handyworker can repair your light components to increase the aesthetic appeal of your residence.
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Some handyworkers also have the expertise to give great ideas on upgrading your current light components to make your residence more presentable.
If you’re a home owner, you should already know the issues that can occur to your drywall. These damages occur when you have kids and pets.
The Good news is that fixing drywall isn’t that complex, that is if you have the right tools.
A drywall handyworker not only has special expertise and finesse, but also has the accurate 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 handyperson ensures you get a good job done.
Quick fact: more than 20 percent of houses in America have outdoor living spaces including balconies, decks and patios. These areas truly make living more pleasant, as long as they’re in excellent working state.
But due to exposure to inclement weather, outdoor spaces can get mangled over the years.
And as a home owner, you probably don’t have the skills to fix the decking yourself.
This is another common task for handymen, as they have special skills to get the job done right.
Replacing or fixing a floor in your home can be a tiresome 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 handyman selling things related to flooring from your website, you must check out ecommerce business insurance in New Hampshire, as it will shield your online business from liability.
Even though professional roofers install roofs on homes, some handymen 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 New Hampshire policy.
A simple fall from a ladder could cause damage to your client or his/her house, for which they can sue your roofing company for big money.
What are the Benefits of Handyman Liability Insurance in New Hampshire (NH)?
Even if you’re a single employee of the company, you invest in handyman liability insurance in NH.
As a handyperson, you probably carry several pieces of gadgets to complete projects with ease.
These tools can be pricey, and can hurt your business in the event of theft. With handyperson liability insurance, your tools are covered against theft, so you can replace them easily if they’re stolen.
General liability coverage is yet another advantage of handyman liability insurance and protects you in case you cause damage to your customers.
For example, if you’re painting the exterior of a customer’s home, and spill paint on the family pet, you may be sued by the home owner.
So, ask yourself, when this occurs, do you have the money to pay for these claims? Probably not, which is why you must have handyman liability insurance in NH.
As a handyman in New Hampshire, 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 paid.
Plus, if you take time off due to the injury caused to you, you will not be paid for the lost time. With handyperson liability insurance, you get remunerated for when you take days off work.
Should Your Handyman have Insurance in New Hampshire?
You already 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 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 handyworker causes any destruction to furniture and people in your property, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyperson Insurance in NH?
There are different types of handyman insurance coverages to choose from. But it’s worth stating that the more coverage you ask for, the higher the price.
Handyman general liability insurance is the most traditional type of handyman insurance coverage, and includes property damage, medical fees legal fees and settlements.
As a handyperson, you may be performing several types of projects for your clients including installing a new kitchen sink or repairing windows.
General liability insurance for handyman in New Hampshire covers you in case someone trips over your tools, and hurts their leg or other part of their body.
And if you mistakenly break your client’s $100,000 antique vase, then General liability insurance for handyman in New Hampshire – NH will cover you for that too. This kind of insurance will also cover you against any injury onsite and libel, slander and defamation.
Many insurance companies will also offer the option of adding vehicle insurance, which should protect your tools against theft and damage.
If you drive a vehicle with many tools in it, then choose the extra car insurance option makes sense.
To figure out whether you need handyperson insurance, ask yourself if you will be able to pay for the damages from your own pocket.
Does a Handyman Need a License in New Hampshire?
Even though handymen perform several types of jobs, some tasks do require a handyman license in New Hampshire.
In most cases, states do not provide handyman licenses, but this also depends on how huge the job is.
For example, if the project is valued over $5000, the handyworker may be asked to provide a license.
Each state has its own prerequisites for a handyman license, and some states don’t issue a handyman license such as New Hampshire.
Handyworker Liability Insurance Cost – What to Expect
Handyperson insurance costs vary across insurance firms, and also depends on the kind of coverage you choose.
Handyworkers can expect to pay approximately between $60 per month for general handyworker liability insurance cover.
If you want to opt for handyman workers compensation insurance coverage, then the premium of handyman liability insurance will be somewhere around $300 per month.
Ready to Get Handyman Liability Insurance in New Hampshire?
When selecting 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 proper handyman liability coverage.