Handyman Liability Insurance in Oregon – OR

Handyman Liability Insurance in Oregon – OR is a an important type of insurance to have for any person who does odd, yet highly skilled tasks.

A handyman, also referred to as a handyperson or handyworker is a fellow who is employed at skilled jobs.

If you’re a handyman, you must buy handyman liability insurance, and here’s why!

What Jobs does Handyman Do in Oregon?

But first, a handyman is not to be mistaken for a contractor because the former is a person who can perform many tasks around your residence.

The latter usually has some kind of registered license, but can also get handyman liability insurance in Oregon. That said, here are some common jobs handymen provide.

What are the Regular Handyman Jobs in Oregon?

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

Plumbing

This is one of the most common jobs handyworkers provide, and is related to plumbing parts in a house.

There’s nothing more infuriating than damaged plumbing parts in a home.

From the continual dripping havoc to the mold and mildew released from the excess water, it’s a big task to deal with.

To search the cause of the leak, you will need industry expertise, for which you will have to hire a professional handyman. You can always call a plumber to do the task, but this will cost you more bucks.

Handymen in the plumbing area can fix this type of leaks and much more such as leaks and issues related to washing machines, showers, and even leaks below sinks.

The quicker you can get these issues fixed, the better it is for the long term.

Light Fixture Installation

Changing light fixtures may seem simple, but it really can be a complex task.

A handyperson can repair your light parts to increase the aesthetic appeal of your home.

Some handymen also have the prowess to give great ideas on upgrading your current light components to make your house more presentable.

Drywall Repair

If you’re a residence owner, you should already know the damage that can take place to your drywall. These dents occur when you have kids and pets.

The Good news is that fixing drywall isn’t that difficult, that is if you got the right tools.

A drywall handyworker not only has special expertise and finesse, but also has the right tools for the job.

Interior and Exterior Painting

Yet another project you can mostly do yourself, but the results will not be great.

Hiring the services of a handyworker guarantees you get a great job done.

Deck Repairs

Quick fact: more than 20 percent of homes in America have outdoor living areas including balconies, decks and patios. These living spaces truly make living more delightful, as long as they’re in excellent working state.

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

And as a home owner, you probably don’t have the knowledge to repair the decking yourself.

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

Flooring Improvements

Replacing or fixing a floor in your residence can be a time consuming process. Flooring can get broken easily such as with dings and dents.

But these problems can be easily repaired by a handyworker.

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

Roofing

Even though professional roofers install 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 get separate roofing insurance in Oregon policy.

A simple slip from a ladder could cause damage to your client or his/her home, for which they can sue your roofing company for big money.

What are the Perks of Handyman Liability Insurance in Oregon (OR)?

Even if you’re the only employee of the company, you must have handyman liability insurance in OR.

As a handyperson, you probably carry several types of equipment to complete jobs with ease.

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

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

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

So, ask yourself, when this occurs, do you have the funds to pay for these claims? Probably not, which is why you must have handyman liability insurance in OR.

As a handyman in Oregon, you probably don’t get workers compensation. This implies that if you get injured while performing the customer’s job, your medical expenses will not be paid.

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

Should Your Handyman have Insurance in Oregon?

You probably have homeowner’s insurance, but does it cover you against harm 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 fork out the deductible first to close the claim.

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

What are the Different Types of Handyperson Insurance in OR?

There are different types of handyworker insurance coverages to choose from. But it’s worth mentioning that the more coverage you ask for, the steeper the price.

Handyman general liability insurance is the most basic type of handyman insurance coverage, and includes 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 repairing windows.

General liability insurance for handyman in Oregon covers you in case someone trips over your tools, and injures 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 Oregon – OR 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 give you the option of adding vehicle insurance, which should protect your tools against theft and damage.

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

To figure out whether you need handyworker insurance, ask yourself if you will be able to fork out for the damages from your own pocket.

Does a Handyman Need a License in Oregon?

Even though handymen perform several kinds of jobs, some tasks do require a handyman license in Oregon.

In most cases, states do not provide handyman licenses, but this also depends on how massive the job is.

For example, if the job is valued over $5000, the handyworker may be asked to provide a license.

Each state has its own criteria for a handyperson license, and some states don’t issue a handyman license such as Oregon.

Handyworker Liability Insurance Cost – What to Expect

Handyworker insurance prices vary across insurance agencies, and also depends on the type of coverage you choose.

Handyworkers can expect to pay approximately between $60 per month for general handyperson liability insurance cover.

If you want to have handyman workers compensation insurance coverage, then the cost of handyman liability insurance will be roughly $300 per month.

Ready to Get Handyman Liability Insurance in Oregon?

When selecting 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 invest in the proper handyman liability coverage.

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