Handyman Liability Insurance in South Carolina – SC
Handyman Liability Insurance in South Carolina – SC is a an important type of insurance to have for any individual who does odd, yet highly skilled jobs.
A handyman, also referred to as a handyperson or handyworker is a person who is employed at skilled jobs.
If you’re a handyworker, you must buy handyman liability insurance, and here’s why!
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What Jobs does Handyman Do in South Carolina?
But first, a handyperson is not to be confused for a contractor because the former is a person who can perform many tasks around your residence.
The latter mostly has some type of registered license, but can also buy handyman liability insurance in South Carolina. That said, here are some traditional jobs handymen provide.
What are the Regular Handyman Jobs in South Carolina?
Even though there are several services handymen provide, the tasks listed below are the most common.
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This is one of the most traditional jobs handypersons provide, and deals with plumbing parts in a residence.
There’s nothing more annoying than broken plumbing parts in a home.
From the continual dripping sound to the mold and mildew stemming from the excess water, it’s a big issue to deal with.
To locate the cause of the leak, you will need industry 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 cash.
Handymen in the plumbing domain can fix this type of leaks and much more such as leaks and damages related to washing machines, showers, and even leaks under sinks.
The swiftly you can get these damages fixed, the better it is for the time ahead.
Light Fixture Installation
switching light fixtures may seem simple, but it really can be a complex task.
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A handyperson can fix your light parts to increase the aesthetic appeal of your house.
Some handypersons also have the prowess to give great ideas on upgrading your current light parts to make your house more presentable.
If you’re a residence owner, you should already know the damage that can occur to your drywall. These damages occur when you have kids and pets.
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The Good news is that fixing drywall isn’t that difficult, that is if you own the right tools.
A drywall handyman not only has special knowledge and finesse, but also possesses the accurate tools for the job.
Interior and Exterior Painting
Yet another project you can mostly do yourself, but the results will not be satisfying.
Hiring the services of a handyman ensures you get a satisfying job done.
Quick fact: more than 20 percent of residences in America have outdoor living locations including balconies, decks and patios. These living spaces truly make living more enjoyable, as long as they’re in great working order.
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 knowledge to repair the decking yourself.
This is another common project for handyworkers, as they have special skills to get the job done right.
Replacing or fixing a floor in your residence can be a time consuming process. Flooring can get ruptured easily such as with dings and dents.
But these issues can be easily fixed by a handyworker.
And if you’re a handyworker selling stuff related to flooring from your website, you have to check out ecommerce business insurance in South Carolina, as it will protect your online business from liability.
Even though professional roofers place roofs on houses, 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 buy separate roofing insurance in South Carolina policy.
A simple fall from a ladder could cause injury to your client or his/her property, for which they can sue your roofing company for massive money.
What are the Perks of Handyman Liability Insurance in South Carolina (SC)?
Even if you’re a single employee of the company, you should get handyman liability insurance in SC.
As a handyworker, you probably carry several types of tools to complete jobs with ease.
These tools can be pricey, and can hurt your business in the event of theft. With handyworker liability insurance, your gadgets are protected against theft, so you can replace them fast if they’re stolen.
General liability coverage is yet another advantage 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 drop paint on the family pet, you may be sued by the house owner.
So, ask yourself, when this happens, do you have the funds to pay for these claims? Probably not, which is why you must have handyman liability insurance in SC.
As a handyperson in South Carolina, you probably don’t receive workers’ compensation. This means that if you get injured while performing the customer’s job, your medical tabs will not be reimbursed.
Plus, if you take time off due to the injury caused to you, you will not be paid for the lost time. With handyworker liability insurance, you get compensated for when you take time off work.
Should Your Handyman have Insurance in South Carolina?
You probably have homeowner’s insurance, but does it protect you against injury caused to a 3rd party — your handyperson? The answer is probably not!
Even if your residence insurance policy does provide cover remuneration for handyman harm, you will still have to give the deductible first to end the claim.
Furthermore, if the handyperson 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 SC?
There are many types of handyworker 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 common type of handyman insurance coverage, and includes property damage, medical fees legal fees and settlements.
As a handyman, you may be performing several types of projects for your clients including installing a new kitchen sink or repairing windows.
General liability insurance for handyman in South Carolina shields you in case someone 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 South Carolina – SC will cover you for that too. This type 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 shield your tools against theft and damage.
If you drive a van with several tools in it, then choose the extra vehicle insurance option makes sense.
To figure out whether you need handyperson insurance, ask yourself if you will be able to compensate for the damages from your own pocket.
Does a Handyman Need a License in South Carolina?
Even though handypersons perform several kinds of jobs, some tasks do require a handyman license in South Carolina.
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 handyman may be asked to provide a license.
Each state has its own criteria for a handyperson license, and some states don’t require a handyman license such as South Carolina.
Handyperson Liability Insurance Cost – What to Expect
Handyworker insurance prices vary across insurance agencies, and also depends on the level of coverage you opt for.
Handyworkers can expect to pay somewhere between $60 per month for general handyworker liability insurance cover.
If you want to opt for handyman workers compensation insurance coverage, then the cost of handyman liability insurance will be approximately $300 per month.
Ready to Get Handyman Liability Insurance in South Carolina?
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 proper handyman liability coverage.