Handyman Liability Insurance in Ohio – OH
Handyman Liability Insurance in Ohio – OH is a must have type of insurance to have for any person who does odd, yet highly skilled projects.
A handyman, also referred to as a handyperson or handyworker is a person who works on skilled jobs.
If you’re a handyman, you must buy handyman liability insurance, and here’s why!
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What Jobs does Handyman Do in Ohio?
But first, a handyman is not to be confused for a contractor because the former is a individual who can perform more tasks around your residence.
The latter mostly has some type of registered license, but can also invest in handyman liability insurance in Ohio. That said, here are some traditional jobs handymen provide.
What are the Traditonal Handyman Jobs in Ohio?
Even though there are myriad services handymen perform, the jobs listed below are the most common.
This is one of the most regular jobs handymen provide, and is regarding plumbing parts in a house.
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There’s nothing more infuriating than damaged plumbing fixtures in a home.
From the constant dripping noise to the mold and mildew leaking from the excess water, it’s a big problem to deal with.
To search 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 kind of leaks and much more such as leaks and problems related to washing machines, showers, and even leaks underneath sinks.
The quicker you can get these issues fixed, the better it is for the time ahead.
Light Fixture Installation
Changing light fixtures may seem easy, but it truly can be a tough task.
A handyperson can repair your light fixtures to increase the aesthetic appeal of your home.
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Some handypersons also have the expertise to offer great ideas on upgrading your current light fixtures to make your residence more presentable.
If you’re a residence owner, you should already know the problems that can happen to your drywall. These dents are common when you have kids and pets.
The Good news is that mending drywall isn’t that complex, that is if you own the right tools.
A drywall handyworker not only has special expertise and finesse, but also owns 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.
Hiring the services of a handyman makes sure you get a satisfying job done.
Quick fact: more than 20 percent of homes in America have outdoor living areas including balconies, decks and patios. These locations truly make living more pleasant, as long as they’re in great working condition.
But due to exposure to inclement weather, outdoor areas can get broken over the years.
And as a residence owner, you probably don’t have the skills to repair the decking yourself.
This is another common job for handymen, as they possess special skills to get the job done right.
Replacing or fixing a floor in your home can be a daunting process. Flooring can get ruptured easily such as with dings and dents.
But these problems can be easily fixed 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 Ohio, as it will shield your online business from liability.
Even though professional roofers setup roofs on buildings, some handymen are skilled at repairing or replacement of shingles.
If you’re a roofer or a handyperson dealing with roofs, then you need to explore separate roofing insurance in Ohio policy.
A simple slip from a ladder could cause harm to your client or his/her property, for which they can sue your roofing company for big money.
What are the Perks of Handyman Liability Insurance in Ohio (OH)?
Even if you’re the sole employee of the company, you must have handyman liability insurance in OH.
As a handyperson, you probably have several pieces of gadgets to complete projects with ease.
These tools can be costly, and can harm your business in the event of theft. With handyperson liability insurance, your tools are covered against theft, so you can replace them quickly if they’re stolen.
General liability coverage is yet another benefit of handyman liability insurance and shields you in case you cause damage 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 residence 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 OH.
As a handyman in Ohio, you probably don’t get workers compensation. This indicates that if you get harmed while performing the customer’s project, your medical expenses will not be paid.
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 compensated for when you take leave from work.
Should Your Handyworker have Insurance in Ohio?
You mostly have homeowner’s insurance, but does it protect you against harm caused to a 3rd party — your handyman? 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 close the claim.
Furthermore, if the handyman causes any breakage to furniture and people in your home, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyworker Insurance in OH?
There are many types of handyperon insurance coverages to choose from. But it’s worth stating that the more coverage you opt for, the higher 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 handyworker, you may be hired for several types of projects for your clients including installing a new kitchen sink or repairing windows.
General liability insurance for handyman in Ohio covers you in case your customer trips over your tools, and breaks 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 Ohio – OH will cover you for that too. This form of insurance will also protect you against any injury onsite and libel, slander and defamation.
Many insurance services 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 truck insurance option makes sense.
To figure out whether you need handyperson insurance, ask yourself if you will be able to fork out for the claims from your own pocket.
Does a Handyman Need a License in Ohio?
Even though handyworkers perform several kinds of jobs, some tasks do require a handyman license in Ohio.
In most cases, states do not issue handyman licenses, but this also depends on how massive the job is.
For example, if the project is valued over $5000, the handyman may be asked to apply a license.
Each state has its own requirements for a handyworker license, and some states don’t issue a handyman license such as Ohio.
Handyman Liability Insurance Cost – What to Expect
Handyman insurance fees vary across insurance companies, and also depends on the kind of coverage you select.
Handymen 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 Ohio?
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 best handyman liability coverage.