Handyman Liability Insurance in Utah – UT
Handyman Liability Insurance in Utah – UT is a an important type of insurance to have for any individual who does odd, yet highly skilled jobs.
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A handyman, also referred to as a handyperson or handyworker is a person who performs skilled jobs.
If you’re a handyperson, you must buy handyman liability insurance, and here’s why!
What Jobs does Handyman Do in Utah?
But first, a handyman is not to be mistaken for a contractor because the former is a individual who can undertake seevral tasks around your residence.
The latter generally has some sort of registered license, but can also get handyman liability insurance in Utah. That said, here are some regular jobs handymen provide.
What are the Common Handyman Jobs in Utah?
Even though there are myriad services handymen provide, the tasks listed below are the most common.
This is one of the most regular jobs handypersons provide, and is related to plumbing components in a residence.
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There’s nothing more irritating than malfunctioning plumbing parts in a home.
From the continual dripping sound to the mold and mildew leaking 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 money.
Handymen in the plumbing area can fix this sort of leaks and much more such as leaks and damages related to washing machines, showers, and even leaks under sinks.
The faster you can get these issues fixed, the better it is for the time ahead.
Light Fixture Installation
fixing light fixtures may seem simple, but it truly can be a complex task.
A handyworker can repair your light parts to increase the aesthetic appeal of your residence.
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Some handymen also have the prowess to give great ideas on upgrading your current light fixtures to make your home more presentable.
If you’re a residence owner, you should already know the problems that can happen to your drywall. These dings happen 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 handyperson not only has special expertise 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 great.
Hiring the services of a handyworker ensures you get a great job done.
Quick fact: more than 20 percent of homes 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 excellent working condition.
But due to exposure to bad weather, outdoor spaces can get damaged over the years.
And as a residence owner, you probably don’t have the knowledge to mend the decking yourself.
This is another common task for handyworkers, as they exhibit special skills to get the job done right.
Replacing or fixing a floor in your home can be a tiresome process. Flooring can get damaged easily such as with dings and dents.
But these things can be easily fixed by a handyperson.
And if you’re a handyman selling accessories related to flooring from your website, you must check out ecommerce business insurance in Utah, as it will shield your online business from liability.
Even though professional roofers install 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 get separate roofing insurance in Utah policy.
A simple trip from a ladder could cause harm to your client or his/her property, for which they can sue your roofing business for a lot of money.
What are the Benefits of Handyman Liability Insurance in Utah (UT)?
Even if you’re the only employee of the company, you invest in handyman liability insurance in UT.
As a handyworker, you probably carry several pieces of equipment to complete tasks with ease.
These tools can be pricey and can harm your business in the event of theft. With handyworker liability insurance, your tools are covered against theft, so you can replace them easily if they’re stolen.
General liability coverage is yet another advantage of handyman liability insurance and covers you in case you cause injury to your customers.
For example, if you’re painting the exterior of a customer’s residence, and drop paint on the family pet, you may be sued by the residence owner.
So, ask yourself, when this occurs, do you have the money to pay for these claims? Probably not, which is why you must have handyman liability insurance in UT.
As a handyman in Utah, you probably don’t receive workers compensation. This implies that if you get hurt while performing the customer’s project, your medical tabs will not be reimbursed.
Plus, if you take time off due to the harm caused to you, you will not be remunerated for the lost time. With handyworker liability insurance, you get paid for when you take leave from work.
Should Your Handyman have Insurance in Utah?
You probably have homeowner’s insurance, but does it protect you against harm caused to a 3rd party — your handyman? The answer is probably not!
Even if your home insurance policy does provide cover remuneration for handyman injury, you will still have to fork out the deductible first to end the claim.
Furthermore, if the handyworker causes any damage to stuff and people in your house, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyman Insurance in UT?
There are many types of handyman insurance coverages to choose from. But it’s worth mentioning that the more coverage you sign up for, the more the price.
Handyman general liability insurance is the most traditional type of handyman insurance coverage, and offers property damage, medical fees legal fees and settlements.
As a handyperson, you may be performing several types of projects for your clients including installing a new kitchen sink or changing windows.
General liability insurance for handyman in Utah protects you in case anyone trips over your tools, and breaks their leg or other part of their body.
And if you mistakenly break your client’s $100,000 antique vase, then General liability insurance for handyman in Utah – UT 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 services will also provide the option of adding vehicle insurance, which should cover 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 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 Utah?
Even though handymen perform several sorts of jobs, some tasks do require a handyman license in Utah.
In most cases, states do not give 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 apply a license.
Each state has its own requirements for a handyman license, and some states don’t require a handyman license such as Utah.
Handyperson Liability Insurance Cost – What to Expect
Handyperson insurance costs vary across insurance firms, and also depends on the kind of coverage you opt for.
Handymen can expect to pay anywhere between $60 per month for general handyworker liability insurance cover.
If you want to have 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 Utah?
When choosing 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 buy the proper handyman liability coverage.