Handyman Liability Insurance in Pennsylvania – PA
Handyman Liability Insurance in Pennsylvania – PA is a crucial type of insurance to have for any worker who does odd, yet highly skilled jobs.
A handyman, also referred to as a handyperson or handyworker is a individual who is employed at 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 Pennsylvania?
But first, a handyworker is not to be mistaken for a contractor because the former is a fellow who can perform many tasks around your house.
The latter mostly has some type of registered license, but can also get handyman liability insurance in Pennsylvania. That said, here are some common jobs handymen provide.
What are the Regular Handyman Jobs in Pennsylvania?
Even though there are several services handymen perform, the tasks listed below are the most common.
This is one of the most traditional jobs handymen provide, and deals with plumbing components in a house.
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There’s nothing more annoying than malfunctioning plumbing fixtures in a home.
From the continous dripping sound to the mold and mildew released from the extra water, it’s a big task to deal with.
To find the cause of the leak, you will need some expertise, for which you will have to commision a professional handyman. You can always hire a plumber to do the job, but this will cost you more bucks.
Handymen in the plumbing area 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 faster you can get these issues fixed, the better it is for the long term.
Light Fixture Installation
Changing light fixtures may seem uncomplicated, but it ideally can be a complex task.
A handyperson can fix your light parts to increase the aesthetic appeal of your home.
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Some handyworkers also have the expertise to offer great ideas on upgrading your current light parts to make your house more presentable.
If you’re a home owner, you should already know the issues that can occur to your drywall. These damages occur when you have kids and pets.
The Good news is that mending drywall isn’t that hard, that is if you got the right tools.
A drywall handyman not only has special skill and finesse, but also has the best tools for the job.
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Interior and Exterior Painting
Yet another task you can mostly do yourself, but the results will not be satisfying.
Getting the services of a handyworker ensures you get a great job done.
Quick fact: more than 20 percent of residences in America have outdoor living areas including balconies, decks and patios. These locations truly make living more pleasant, as long as they’re in good working order.
But due to exposure to bad weather, outdoor areas can get damaged over the years.
And as a home owner, you probably don’t have the expertise to fix the decking yourself.
This is another common task for handypersons, as they possess special skills to get the job done perfectly.
Replacing or fixing a floor in your residence can be a tiresome process. Flooring can get ruptured easily such as with dings and dents.
But these problems can be easily repaired by a handyworker.
And if you’re a handyworker selling accessories related to flooring from your website, you have to check out ecommerce business insurance in Pennsylvania, as it will shield your online business from liability.
Even though professional roofers install roofs on homes, some handymen are skilled at repairing or replacement of shingles.
If you’re a roofer or a handyworker dealing with roofs, then you need to buy separate roofing insurance in Pennsylvania policy.
A simple fall from a ladder could cause damage to your client or his/her home, for which they can sue your roofing company for a lot of money.
What are the Advantages of Handyman Liability Insurance in Pennsylvania (PA)?
Even if you’re a single employee of the company, you invest in handyman liability insurance in PA.
As a handyworker, you probably have several pieces of equipment to complete projects with ease.
These tools can be pricey, and can hurt your business in the event of theft. With handyman liability insurance, your equipment are shielded against theft, so you can replace them fast if they’re stolen.
General liability coverage is yet another perk of handyman liability insurance and covers you in case you cause injury to your customers.
For example, if you’re painting the outside of a customer’s home, and drop paint on the family pet, you may be sued by the home owner.
So, ask yourself, when this happens, do you have the money to pay for these claims? Probably not, which is why you must have handyman liability insurance in PA.
As a handyworker in Pennsylvania, you probably don’t get workers compensation. This means that if you get injured while performing the customer’s job, your medical bills 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 remunerated for when you take time off work.
Should Your Handyman have Insurance in Pennsylvania?
You already have homeowner’s insurance, but does it shield you against injury caused to a 3rd party — your handyworker? The answer is probably not!
Even if your house insurance policy does provide cover remuneration for handyman harm, you will still have to fork out the deductible first to settle the claim.
Furthermore, if the handyworker causes any breakage to things and people in your property, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyman Insurance in PA?
There are several 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 includes property damage, medical fees legal fees and settlements.
As a handyperson, you may be doing several types of tasks for your clients including installing a new kitchen sink or changing windows.
General liability insurance for handyman in Pennsylvania protects 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 Pennsylvania – PA will cover you for that too. This kind of insurance will also protect you against any injury onsite and libel, slander and defamation.
Many insurance companies 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 several 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 damages from your own pocket.
Does a Handyman Need a License in Pennsylvania?
Even though handymen perform several types of jobs, some tasks do require a handyman license in Pennsylvania.
In most cases, states do not issue handyman licenses, but this also depends on how huge the job is.
For example, if the project is valued over $5000, the handyperson may be asked to provide a license.
Each state has its own requirements for a handyperson license, and some states don’t require a handyman license such as Pennsylvania.
Handyworker Liability Insurance Cost – What to Expect
Handyworker insurance costs vary across insurance firms, and also depends on the type of coverage you opt for.
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 approximately $300 per month.
Ready to Get Handyman Liability Insurance in Pennsylvania?
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 buy the right handyman liability coverage.