Handyman Liability Insurance in South Dakota – SD
Handyman Liability Insurance in South Dakota – SD is a an important type of insurance to have for any individual who does odd, yet highly skilled jobs.
A handyman, also dubbed as a handyperson or handyworker is a person who is employed at skilled jobs.
If you’re a handyman, you have to buy handyman liability insurance, and here’s why!
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What Jobs does Handyman Do in South Dakota?
But first, a handyman is not to be confused for a contractor because the former is a fellow who can undertake more tasks around your residence.
The latter mostly has some kind of registered license, but can also invest in handyman liability insurance in South Dakota. That said, here are some common jobs handymen provide.
What are the Regular Handyman Jobs in South Dakota?
Even though there are plethora of services handymen perform, the tasks listed below are the most common.
This is one of the most common jobs handyworkers provide, and is related to plumbing components in a residence.
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There’s nothing more irritating than malfunctioning plumbing components in a home.
From the continous dripping noise to the mold and mildew stemming from the excess water, it’s a big problem to deal with.
To search 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 cash.
Handymen in the plumbing domain can fix this kind of leaks and much more such as leaks and damages related to washing machines, showers, and even leaks below sinks.
The faster you can get these damages fixed, the better it is for the long term.
Light Fixture Installation
fixing light fixtures may seem simple, but it really can be a mind boggling task.
A handyman can repair your light components to increase the aesthetic appeal of your house.
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Some handypersons also have the knowledge to give great ideas on upgrading your current light parts to make your home more presentable.
If you’re a home owner, you should already know the problems that can take place to your drywall. These dents are common when you have kids and pets.
The Good news is that mending drywall isn’t that hard, that is if you own the right tools.
A drywall handyperson 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 project you can probably do yourself, but the results will not be satisfying.
Getting the services of a handyman makes sure you get a great job done.
Quick fact: more than 20 percent of houses 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 great working order.
But due to exposure to harsh weather, outdoor spaces can get damaged over the years.
And as a house owner, you probably don’t have the expertise to repair the decking yourself.
This is another common job for handypersons, as they possess special skills to get the job done correctly.
Replacing or fixing a floor in your residence can be a tiresome process. Flooring can get broken easily such as with dings and dents.
But these things can be easily restored 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 South Dakota, as it will protect your online business from liability.
Even though professional roofers install roofs on houses, some handypersons are skilled at repairing or replacement of shingles.
If you’re a roofer or a handyman dealing with roofs, then you need to buy separate roofing insurance in South Dakota policy.
A simple fall from a ladder could cause injury to your client or his/her home, for which they can sue your roofing agency for big money.
What are the Advantages of Handyman Liability Insurance in South Dakota (SD)?
Even if you’re a single employee of the company, you must have handyman liability insurance in SD.
As a handyperson, you probably own several kinds of gadgets to complete projects with ease.
These tools can be expensive, and can harm your business in the event of theft. With handyperson liability insurance, your equipment 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 injury 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 residence 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 SD.
As a handyworker in South Dakota, you probably don’t have workers compensation. This means that if you get hurt while performing the customer’s job, your medical expenses will not be covered.
Plus, if you take time off due to the damage 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 South Dakota?
You probably have homeowner’s insurance, but does it protect you against injury caused to a 3rd party — your handyworker? The answer is probably not!
Even if your house insurance policy does provide cover coverage for handyman injury, you will still have to give the deductible first to settle the claim.
Furthermore, if the handyperson causes any damage to furniture and people in your property, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyman Insurance in SD?
There are several types of handyworker insurance coverages to choose from. But it’s worth noting that the more coverage you opt for, the more 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 handyman, you may be doing several types of tasks for your clients including installing a new kitchen sink or repairing windows.
General liability insurance for handyman in South Dakota shields you in case someone trips over your tools, and injures 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 Dakota – SD 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 agencies will also give you the option of adding vehicle insurance, which should shield your tools against theft and damage.
If you drive a van with lots tools in it, then choose the extra vehicle 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 South Dakota?
Even though handyworkers perform several types of jobs, some tasks do require a handyman license in South Dakota.
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 handyworker 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 South Dakota.
Handyman Liability Insurance Cost – What to Expect
Handyman insurance fees vary across insurance companies, and also depends on the kind of coverage you opt for.
Handymen can expect to pay somewhere between $60 per month for general handyworker liability insurance cover.
If you want to have 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 South Dakota?
When opting for 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 best handyman liability coverage.