Handyman Liability Insurance in Tennessee – TN
Handyman Liability Insurance in Tennessee – TN is a must have type of insurance to have for any person who does odd, yet highly skilled tasks.
A handyman, also known as a handyperson or handyworker is a fellow who is employed at skilled jobs.
If you’re a handyperson, you must buy handyman liability insurance, and here’s why!
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What Jobs does Handyman Do in Tennessee?
But first, a handyperson is not to be confused for a contractor because the former is a person who can do many tasks around your house.
The latter usually has some sort of registered license, but can also get handyman liability insurance in Tennessee. That said, here are some traditional jobs handymen provide.
What are the Traditonal Handyman Jobs in Tennessee?
Even though there are plethora of services handymen perform, the jobs listed below are the most common.
This is one of the most common jobs handyworkers provide, and deals with plumbing fixtures in a home.
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There’s nothing more irritating than damaged plumbing fixtures in a home.
From the continual dripping havoc to the mold and mildew stemming from the leaking water, it’s a big problem to deal with.
To search the cause of the leak, you will need some expertise, for which you will have to hire a professional handyman. You can always call a plumber to do the job, but this will cost you more money.
Handymen in the plumbing field can fix this sort 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 damages fixed, the better it is for the time ahead.
Light Fixture Installation
switching light fixtures may seem uncomplicated, but it truly can be a mind boggling task.
A handyworker can repair your light fixtures to increase the aesthetic appeal of your house.
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Some handymen also have the knowledge to offer great ideas on upgrading your current light components to make your residence more presentable.
If you’re a house owner, you should already know the issues that can occur to your drywall. These dents happen when you have kids and pets.
The Good news is that mending drywall isn’t that difficult, that is if you got the right tools.
A drywall handyworker not only has special knowledge and finesse, but also possesses the right tools for the job.
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Interior and Exterior Painting
Yet another task you can probably do yourself, but the results will not be good.
Hiring the services of a handyworker makes sure you get a good job done.
Quick fact: more than 20 percent of residences in America have outdoor living locations including balconies, decks and patios. These areas truly make living more enjoyable, as long as they’re in great working order.
But due to exposure to bad weather, outdoor spaces can get broken over the years.
And as a residence owner, you probably don’t have the expertise to mend the decking yourself.
This is another common job for handymen, as they exhibit special skills to get the job done perfectly.
Replacing or fixing a floor in your residence can be a tiresome process. Flooring can get damaged easily such as with dings and dents.
But these problems can be easily repaired by a handyperson.
And if you’re a handyman selling stuff related to flooring from your website, you should check out ecommerce business insurance in Tennessee, as it will shield your online business from liability.
Even though professional roofers install roofs on buildings, some handypersons 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 Tennessee policy.
A simple slip 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 Benefits of Handyman Liability Insurance in Tennessee (TN)?
Even if you’re the only employee of the company, you must have handyman liability insurance in TN.
As a handyperson, you probably carry several kinds of equipment to complete projects with ease.
These tools can be pricey, and can hurt your business in the event of theft. With handyperson liability insurance, your equipment are shielded against theft, so you can replace them fast if they’re stolen.
General liability coverage is yet another benefit 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 home owner.
So, ask yourself, when this occurs, do you have the funds to pay for these claims? Probably not, which is why you need handyman liability insurance in TN.
As a handyworker in Tennessee, you probably don’t receive workers compensation. This means that if you get hurt while performing the customer’s project, your medical tabs will not be covered.
Plus, if you take time off due to the damage caused to you, you will not be remunerated for the lost time. With handyworker liability insurance, you get remunerated for when you take leave from work.
Should Your Handyworker have Insurance in Tennessee?
You already 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 home insurance policy does provide cover remuneration for handyman harm, you will still have to fork out the deductible first to end the claim.
Furthermore, if the handyman causes any damage to furniture and people in your house, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyperson Insurance in TN?
There are many types of handyman insurance coverages to choose from. But it’s worth mentioning that the more coverage you opt for, the higher the price.
Handyman general liability insurance is the most basic type of handyman insurance coverage, and covers property damage, medical fees legal fees and settlements.
As a handyperson, you may be performing several types of jobs for your clients including installing a new kitchen sink or repairing windows.
General liability insurance for handyman in Tennessee covers you in case anyone trips over your tools, and hurts 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 Tennessee – TN will cover you for that too. This kind of insurance will also cover you against any injury onsite and libel, slander and defamation.
Many insurance companies 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 truck insurance option makes sense.
To understand whether you need handyman 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 Tennessee?
Even though handypersons perform several sorts of jobs, some tasks do require a handyman license in Tennessee.
In most cases, states do not give handyman licenses, but this also depends on how big the job is.
For example, if the task is valued over $5000, the handyperson may be asked to apply a license.
Each state has its own requirements for a handyperson license, and some states don’t require a handyman license such as Tennessee.
You can find more information if you search on Google: home improvement license tn
Handyworker Liability Insurance Cost – What to Expect
Handyperson insurance prices vary across insurance companies, and also depends on the type of coverage you choose.
Handymen can expect to pay somewhere between $60 per month for general handyman liability insurance cover.
If you want to opt for handyman workers compensation insurance coverage, then the price of handyman liability insurance will be somewhere around $300 per month.
Ready to Get Handyman Liability Insurance in Tennessee?
When opting for 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 proper handyman liability coverage.