Handyman Liability Insurance in North Carolina – NC
Handyman Liability Insurance in North Carolina – NC is a an important type of insurance to have for any worker who does odd, yet highly skilled projects.
A handyman, also dubbed as a handyperson or handyworker is a fellow who works on skilled jobs.
If you’re a handyman, you have to buy handyman liability insurance, and here’s why!
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What Jobs does Handyman Do in North Carolina?
But first, a handyperson is not to be mistaken for a contractor because the former is a person who can undertake seevral tasks around your residence.
The latter mostly has some kind of registered license, but can also invest in handyman liability insurance in North Carolina. That said, here are some traditional jobs handymen provide.
What are the Regular Handyman Jobs in North Carolina?
Even though there are myriad services handymen offer, the jobs listed below are the most common.
This is one of the most traditional jobs handyworkers provide, and is regarding plumbing components in a residence.
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There’s nothing more irritating than malfunctioning plumbing parts in a home.
From the continous dripping noise to the mold and mildew leaking 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 opt for a professional handyman. You can always hire a plumber to do the task, but this will cost you more money.
Handymen in the plumbing area can fix this kind of leaks and much more such as leaks and damages related to washing machines, showers, and even leaks underneath sinks.
The faster you can get these issues fixed, the better it is for the time ahead.
Light Fixture Installation
switching light fixtures may seem uncomplicated, but it truly can be a mind boggling task.
A handyworker can change your light components to increase the aesthetic appeal of your residence.
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Some handymen also have the knowledge to provide great ideas on upgrading your current light fixtures to make your residence more presentable.
If you’re a home owner, you should already know the issues that can happen to your drywall. These dents occur when you have kids and pets.
The Good news is that mending drywall isn’t that difficult, that is if you have 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 task you can probably do yourself, but the results will not be good.
Commissioning the services of a handyperson ensures 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 locations truly make living more pleasant, as long as they’re in good working state.
But due to exposure to bad weather, outdoor spaces can get mangled over the years.
And as a residence owner, you probably don’t have the skills to mend the decking yourself.
This is another common project for handymen, as they exhibit special skills to get the job done correctly.
Replacing or fixing a floor in your home can be a daunting process. Flooring can get broken easily such as with dings and dents.
But these problems can be easily fixed by a handyworker.
And if you’re a handyperson selling stuff related to flooring from your website, you should check out ecommerce business insurance in North Carolina, 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 handyman dealing with roofs, then you need to get separate roofing insurance in North Carolina policy.
A simple trip from a ladder could cause harm to your client or his/her property, for which they can sue your roofing business for massive money.
What are the Benefits of Handyman Liability Insurance in North Carolina (NC)?
Even if you’re the sole employee of the company, you invest in handyman liability insurance in NC.
As a handyperson, you probably carry several types of gadgets to complete projects with ease.
These tools can be costly, and can harm your business in the event of theft. With handyworker liability insurance, your equipment are protected against theft, so you can replace them quickly if they’re stolen.
General liability coverage is yet another perk of handyman liability insurance and covers you in case you cause damage to your customers.
For example, if you’re painting the exterior of a customer’s house, and spill paint on the family pet, you may be sued by the house owner.
So, ask yourself, when this takes place, do you have the money to pay for these claims? Probably not, which is why you need handyman liability insurance in NC.
As a handyworker in North Carolina, you probably don’t receive workers compensation. This indicates that if you get harmed while performing the customer’s task, your medical tabs will not be covered.
Plus, if you take time off due to the harm caused to you, you will not be remunerated for the lost time. With handyworker liability insurance, you get remunerated for when you take time off work.
Should Your Handyman have Insurance in North Carolina?
You probably have homeowner’s insurance, but does it shield you against harm caused to a 3rd party — your handyperson? The answer is probably not!
Even if your residence insurance policy does provide cover coverage for handyman harm, you will still have to pay the deductible first to settle the claim.
Furthermore, if the handyman causes any damage to things and people in your home, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyman Insurance in NC?
There are many types of handyman insurance coverages to choose from. But it’s worth stating that the more coverage you sign up for, the higher the price.
Handyman general liability insurance is the most basic type of handyman insurance coverage, and offers property damage, medical fees legal fees and settlements.
As a handyperson, you may be doing several types of projects for your clients including installing a new kitchen sink or replacing windows.
General liability insurance for handyman in North Carolina covers 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 North Carolina – NC 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 services will also give you the option of adding vehicle insurance, which should cover your tools against theft and damage.
If you drive a vehicle with lots tools in it, then choose the extra truck insurance option makes sense.
To determine 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 North Carolina?
Even though handypersons perform several types of jobs, some tasks do require a handyman license in North Carolina.
In most cases, states do not provide handyman licenses, but this also depends on how big 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 requirements for a handyman license, and some states don’t require a handyman license such as North Carolina.
Handyperson Liability Insurance Cost – What to Expect
Handyman insurance costs vary across insurance companies, and also depends on the kind of coverage you choose.
Handypersons can expect to pay somewhere 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 roughly $300 per month.
Ready to Get Handyman Liability Insurance in North Carolina?
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 get the proper handyman liability coverage.