Handyman Liability Insurance in Rhode Island – RI
Handyman Liability Insurance in Rhode Island – RI is a an important type of insurance to have for any worker who does odd, yet highly skilled projects.
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A handyman, also known as a handyperson or handyworker is a individual who performs skilled jobs.
If you’re a handyman, you should buy handyman liability insurance, and here’s why!
What Jobs does Handyman Do in Rhode Island?
But first, a handyworker is not to be confused for a contractor because the former is a fellow who can perform more tasks around your residence.
The latter usually has some type of registered license, but can also invest in handyman liability insurance in Rhode Island. That said, here are some common jobs handymen provide.
What are the Common Handyman Jobs in Rhode Island?
Even though there are plethora of services handymen offer, the services listed below are the most common.
This is one of the most regular jobs handymen provide, and is related to plumbing fixtures in a house.
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There’s nothing more infuriating than broken plumbing fixtures in a home.
From the continual dripping sound to the mold and mildew released from the leaking 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 hire a professional handyman. You can always get a plumber to do the work, but this will cost you more bucks.
Handymen in the plumbing domain can fix this sort of leaks and much more such as leaks and problems related to washing machines, showers, and even leaks below 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 simple, but it ideally can be a mind boggling task.
A handyworker can change your light components to increase the aesthetic appeal of your home.
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Some handymen also have the knowledge to give great ideas on upgrading your current light components to make your house more presentable.
If you’re a home owner, you should already know the damage that can happen to your drywall. These dings occur when you have kids and pets.
The Good news is that fixing drywall isn’t that complex, that is if you have the right tools.
A drywall handyperson not only has special skill and finesse, but also has the accurate tools for the job.
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Interior and Exterior Painting
Yet another project you can mostly do yourself, but the results will not be good.
Hiring the services of a handyworker ensures you get a good 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 excellent working order.
But due to exposure to inclement weather, outdoor areas can get mangled over the years.
And as a residence owner, you probably don’t have the knowledge to fix the decking yourself.
This is another common job for handypersons, as they have special skills to get the job done correctly.
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 things can be easily restored by a handyperson.
And if you’re a handyworker selling things related to flooring from your website, you must check out ecommerce business insurance in Rhode Island, as it will safeguard your online business from liability.
Even though professional roofers setup roofs on homes, some handyworkers 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 Rhode Island policy.
A simple slip from a ladder could cause injury to your client or his/her home, for which they can sue your roofing company for massive money.
What are the Perks of Handyman Liability Insurance in Rhode Island (RI)?
Even if you’re the only employee of the company, you must have handyman liability insurance in RI.
As a handyperson, you probably own several kinds of equipment to complete projects with ease.
These tools can be expensive, and can damage your business in the event of theft. With handyworker liability insurance, your gadgets 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 shields you in case you cause harm to your customers.
For example, if you’re painting the interior of a customer’s house, and spill paint on the family pet, you may be sued by the residence owner.
So, ask yourself, when this takes place, do you have the cash to pay for these claims? Probably not, which is why you should get handyman liability insurance in RI.
As a handyworker in Rhode Island, you probably don’t receive workers compensation. This implies that if you get injured while performing the customer’s task, your medical expenses will not be paid.
Plus, if you take time off due to the injury caused to you, you will not be paid for the lost time. With handyman liability insurance, you get remunerated for when you take days off work.
Should Your Handyworker have Insurance in Rhode Island?
You mostly have homeowner’s insurance, but does it shield you against injury caused to a 3rd party — your handyperson? The answer is probably not!
Even if your home insurance policy does provide cover compensation for handyman harm, you will still have to fork out the deductible first to settle the claim.
Furthermore, if the handyworker causes any destruction 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 RI?
There are many types of handyworker insurance coverages to choose from. But it’s worth noting that the more coverage you sign up for, the steeper the price.
Handyman general liability insurance is the most common type of handyman insurance coverage, and covers property damage, medical fees legal fees and settlements.
As a handyman, 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 Rhode Island covers you in case someone trips over your tools, and injures their leg or other part of their body.
And if you mistakenly drop your client’s $100,000 antique vase, then General liability insurance for handyman in Rhode Island – RI 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 services will also provide the option of adding vehicle insurance, which should shield your tools against theft and damage.
If you drive a vehicle with many 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 claims from your own pocket.
Does a Handyman Need a License in Rhode Island?
Even though handymen perform several sorts of jobs, some tasks do require a handyman license in Rhode Island.
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 handyperson may be asked to get a license.
Each state has its own requirements for a handyperson license, and some states don’t need a handyman license such as Rhode Island.
Handyperson Liability Insurance Cost – What to Expect
Handyperson insurance prices vary across insurance companies, and also depends on the kind of coverage you opt for.
Handyworkers can expect to pay somewhere between $60 per month for general handyman 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 Rhode Island?
When choosing 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 best handyman liability coverage.