Handyman Liability Insurance in Oklahoma – OK

Handyman Liability Insurance in Oklahoma – OK is a an important type of insurance to have for any person 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 handyworker, you should buy handyman liability insurance, and here’s why!

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Handyman liability insurance in Oklahoma

What Jobs does Handyman Do in Oklahoma?

But first, a handyman is not to be taken for a contractor because the former is a person who can undertake many tasks around your home.

The latter generally has some sort of registered license, but can also get handyman liability insurance in Oklahoma. That said, here are some regular jobs handymen provide.

What are the Regular Handyman Jobs in Oklahoma?

Even though there are plethora of services handymen offer, the services listed below are the most common.

Plumbing

This is one of the most regular jobs handymen provide, and deals with plumbing components in a home.

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There’s nothing more annoying than broken plumbing parts in a home.

From the continous dripping noise to the mold and mildew released from the extra 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 bucks.

Handymen in the plumbing field 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 quicker you can get these problems fixed, the better it is for the long term.

Light Fixture Installation

fixing light fixtures may seem easy, but it really can be a tough 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 offer great ideas on upgrading your current light components to make your residence more presentable.

Drywall Repair

If you’re a home owner, you should already know the damage that can take place to your drywall. These dings 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 handyperson not only has special expertise and finesse, but also has the right 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 great.

Commissioning the services of a handyperson guarantees you get a satisfying job done.

Deck Repairs

Quick fact: more than 20 percent of residences in America have outdoor living locations including balconies, decks and patios. These locations truly make living more pleasant, as long as they’re in excellent working condition.

But due to exposure to harsh weather, outdoor spaces can get damaged over the years.

And as a residence owner, you probably don’t have the skills to mend the decking yourself.

This is another common job for handymen, as they have special skills to get the job done correctly.

Flooring Improvements

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 issues can be easily fixed by a handyperson.

And if you’re a handyman selling accessories related to flooring from your website, you must check out ecommerce business insurance in Oklahoma, as it will shield your online business from liability.

Roofing

Even though professional roofers setup roofs on buildings, 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 explore separate roofing insurance in Oklahoma policy.

A simple fall from a ladder could cause harm to your client or his/her property, for which they can sue your roofing agency for big money.

What are the Perks of Handyman Liability Insurance in Oklahoma (OK)?

Even if you’re the sole employee of the company, you invest in handyman liability insurance in OK.

As a handyman, you probably carry several kinds of gadgets to complete jobs with ease.

These tools can be costly, and can harm your business in the event of theft. With handyperson liability insurance, your tools are protected against theft, so you can replace them easily if they’re stolen.

General liability coverage is yet another perk of handyman liability insurance and covers you in case you cause harm to your customers.

For example, if you’re painting the interior of a customer’s residence, and knock over paint on the family pet, you may be sued by the home owner.

So, ask yourself, when this takes place, do you have the funds to pay for these claims? Probably not, which is why you should get handyman liability insurance in OK.

As a handyperson in Oklahoma, you probably don’t have workers compensation. This indicates that if you get hurt while performing the customer’s project, your medical tabs will not be paid.

Plus, if you take time off due to the injury caused to you, you will not be compensated for the lost time. With handyperson liability insurance, you get remunerated for when you take time off work.

Should Your Handyman have Insurance in Oklahoma?

You mostly have homeowner’s insurance, but does it cover you against injury caused to a 3rd party — your handyworker? The answer is probably not!

Even if your residence insurance policy does provide cover remuneration for handyman harm, you will still have to pay the deductible first to settle the claim.

Furthermore, if the handyperson causes any breakage to stuff and people in your property, your home insurance will probably not coverage it whatsoever.

What are the Different Types of Handyperson Insurance in OK?

There are many types of handyperon insurance coverages to choose from. But it’s worth mentioning that the more coverage you opt for, the more the price.

Handyman general liability insurance is the most traditional type of handyman insurance coverage, and offers property damage, medical fees legal fees and settlements.

As a handyperson, you may be hired for several types of tasks for your clients including installing a new kitchen sink or replacing windows.

General liability insurance for handyman in Oklahoma shields you in case anyone trips over your tools, and breaks 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 Oklahoma – OK will cover you for that too. This form of insurance will also shield you against any injury onsite and libel, slander and defamation.

Many insurance agencies will also provide the option of adding vehicle insurance, which should cover your tools against theft and damage.

If you drive a truck with many tools in it, then choose the extra vehicle insurance option makes sense.

To determine whether you need handyworker insurance, ask yourself if you will be able to pay for the claims from your own pocket.

Does a Handyman Need a License in Oklahoma?

Even though handyworkers perform several types of jobs, some tasks do require a handyman license in Oklahoma.

In most cases, states do not issue handyman licenses, but this also depends on how massive 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 criteria for a handyworker license, and some states don’t require a handyman license such as Oklahoma.

Handyperson Liability Insurance Cost – What to Expect

Handyman insurance prices vary across insurance companies, and also depends on the kind of coverage you choose.

Handyworkers can expect to pay somewhere 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 approximately $300 per month.

Ready to Get Handyman Liability Insurance in Oklahoma?

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 right handyman liability coverage.

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