Handyman Liability Insurance in New York – NYC
Handyman Liability Insurance in New York – NY is an important type of insurance to have for any worker who does odd, yet highly skilled tasks.
A handyman, also dubbed as a handyperson or handy worker is a fellow who performs skilled jobs.
If you’re a handyperson, you have to buy handyman liability insurance, and here’s why!
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What Jobs does Handyman Do in New York?
But first, a handyman is not to be taken for a contractor because the former is a fellow who can do several tasks around your house.
The latter generally has some type of registered license, but can also get handyman liability insurance in New York. That said, here are some regular jobs handymen provide.
What are the Traditional Handyman Jobs in New York?
Even though there are myriad services handymen perform, the jobs listed below are the most common.
This is one of the most regular jobs handypersons provide and deals with plumbing fixtures in a house.
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There’s nothing more irritating than damaged plumbing fixtures in a home.
From the constant dripping noise to the mold and mildew stemming from the leaking water, it’s a big problem to deal with.
To locate the cause of the leak, you will need a little expertise, for which you will have to opt for a professional handyman. You can always call a plumber to do the job, but this will cost you more money.
Handymen in the plumbing field can fix this type of leak and much more such as leaks and issues related to washing machines, showers, and even leaks under sinks.
The swiftly 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 tough task.
A handyman can change your light parts to increase the aesthetic appeal of your home.
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Some handypersons also have the expertise to give great ideas on upgrading your current light parts to make your home more presentable.
If you’re a house owner, you should already know the issues that can happen to your drywall. These damages are common 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 handyperson not only has special expertise and finesse but also possesses the best tools for the job.
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Interior and Exterior Painting
Yet another task you can perhaps do yourself, but the results will not be good.
Hiring the services of a handyperson makes sure you get a great job done.
Quick fact: more than 20 percent of houses in America have outdoor living locations including balconies, decks, and patios. These areas truly make living more pleasant, as long as they’re in great working order.
But due to exposure to bad weather, outdoor areas can get mangled over the years.
And as a homeowner, you probably don’t have the expertise to repair the decking yourself.
This is another common task for handypersons, as they possess special skills to get the job done correctly.
Replacing or fixing a floor in your house can be a daunting process. Flooring can get broken easily such as with dings and dents.
But these things can be easily restored by a handyman.
And if you’re a handyman selling stuff related to flooring from your website, you should check out eCommerce business insurance in New York, as it will safeguard your online business from liability.
Even though professional roofers place roofs on buildings, some handypersons are skilled at repairing or replacement of shingles.
If you’re a roofer or a handy worker dealing with roofs, then you need to explore separate roofing insurance in New York policy.
A simple trip from a ladder could cause damage to your client or his/her house, for which they can sue your roofing agency for massive money.
What are the Advantages of Handyman Liability Insurance in New York (NYC)?
Even if you’re a single employee of the company, you must have handyman liability insurance in NY.
As a handy worker, you probably carry several pieces of tools to complete jobs with ease.
These tools can be pricey and can harm your business in the event of theft. With handyperson liability insurance, your gadgets are shielded against theft, so you can replace them easily if they’re stolen.
General liability coverage is yet another perk of handyman liability insurance and protects you in case you cause harm to your customers.
For example, if you’re painting the exterior of a customer’s residence, 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 should get handyman liability insurance in NY.
As a handyperson in New York, you probably don’t receive workers’ compensation. This indicates that if you get harmed while performing the customer’s job, your medical expenses will not be reimbursed.
Plus, if you take time off due to the injury caused to you, you will not be remunerated for the lost time. With handyperson liability insurance, you get paid for when you take days off work.
Should Your Handyworker have Insurance in New York?
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 house insurance policy does provide cover compensation for handyman harm, you will still have to fork out the deductible first to close the claim.
Furthermore, if the handy worker causes any destruction to stuff and people in your property, your home insurance will probably not cover it whatsoever.
What are the Different Types of Handyworker Insurance in NY?
There are several types of handyman insurance coverages to choose from. But it’s worth stating that the more coverage you ask for, the steeper the price.
Handyman general liability insurance is the most traditional type of handyman insurance coverage and covers property damage, medical fees legal fees, and settlements.
As a handyman, you may be performing several types of tasks for your clients including installing a new kitchen sink or replacing windows.
General liability insurance for a handyman in New York shields you in case someone trips over your tools and breaks their leg or other parts of their body.
And if you mistakenly drop your client’s $100,000 antique vase, then General liability insurance for a handyman in New York – NY 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 companies will also offer the option of adding vehicle insurance, which should shield your tools against theft and damage.
If you drive a vehicle with several tools in it, then choose the extra car insurance option makes sense.
To figure out whether you need handyman insurance, ask yourself if you will be able to compensate for the claims from your own pocket.
Does a Handyman Need a License in New York?
Even though handymen perform several sorts of jobs, some tasks do require a handyman license in New York.
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 at over $5000, the handiwork may be asked to apply for a license.
Each state has its own criteria for a handyman license, and some states don’t need a handyman license such as New York.
Handyworker Liability Insurance Cost – What to Expect
Handyman insurance costs vary across insurance companies and also depend on the type of coverage you opt for.
Handymen can expect to pay anywhere between $60 per month for general handyperson liability insurance cover.
If you want to opt for 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 New York?
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 invest in the best handyman liability coverage.