Handyman Liability Insurance in Virginia – VA
Handyman Liability Insurance in Virginia – VA is a an important type of insurance to have for any person who does odd, yet highly skilled tasks.
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A handyman, also dubbed as a handyperson or handyworker is a individual who is employed at skilled jobs.
If you’re a handyworker, you must buy handyman liability insurance, and here’s why!
What Jobs does Handyman Do in Virginia?
But first, a handyperson is not to be mistaken for a contractor because the former is a person who can do seevral tasks around your house.
The latter usually has some kind of registered license, but can also get handyman liability insurance in Virginia. That said, here are some traditional jobs handymen provide.
What are the Regular Handyman Jobs in Virginia?
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 regarding plumbing fixtures in a residence.
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There’s nothing more annoying than malfunctioning plumbing components 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 find the cause of the leak, you will need some expertise, for which you will have to hire a professional handyman. You can always hire a plumber to do the work, 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 problems fixed, the better it is for the long term.
Light Fixture Installation
fixing light fixtures may seem simple, but it ideally can be a complex task.
A handyworker can repair your light components to increase the aesthetic appeal of your residence.
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Some handyworkers also have the knowledge to offer great ideas on upgrading your current light fixtures to make your residence more presentable.
If you’re a home owner, you should already know the damage that can happen to your drywall. These damages are common when you have kids and pets.
The Good news is that repairing drywall isn’t that difficult, that is if you own the right tools.
A drywall handyperson not only has special expertise and finesse, but also owns 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 great.
Getting the services of a handyworker guarantees you get a great job done.
Quick fact: more than 20 percent of residences in America have outdoor living spaces including balconies, decks and patios. These areas truly make living more delightful, as long as they’re in excellent working state.
But due to exposure to bad weather, outdoor locations can get mangled over the years.
And as a home owner, you probably don’t have the skills to fix the decking yourself.
This is another common task for handymen, as they possess special skills to get the job done right.
Replacing or fixing a floor in your house can be a time consuming process. Flooring can get broken easily such as with dings and dents.
But these things can be easily fixed 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 Virginia, as it will safeguard your online business from liability.
Even though professional roofers install roofs on houses, 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 explore separate roofing insurance in Virginia policy.
A simple slip from a ladder could cause injury to your client or his/her home, for which they can sue your roofing business for massive money.
What are the Benefits of Handyman Liability Insurance in Virginia (VA)?
Even if you’re a single employee of the company, you must have handyman liability insurance in VA.
As a handyworker, you probably have several kinds of tools to complete jobs with ease.
These tools can be expensive, and can hurt your business in the event of theft. With handyman liability insurance, your gadgets are shielded against theft, so you can replace them quickly if they’re stolen.
General liability coverage is yet another advantage of handyman liability insurance and covers you in case you cause damage to your customers.
For example, if you’re painting the outside of a customer’s house, and drop paint on the family pet, you may be sued by the house owner.
So, ask yourself, when this takes place, do you have the funds to pay for these claims? Probably not, which is why you need handyman liability insurance in VA.
As a handyperson in Virginia, you probably don’t have workers compensation. This means that if you get harmed while performing the customer’s task, your medical expenses will not be paid.
Plus, if you take time off due to the damage caused to you, you will not be paid for the lost time. With handyworker liability insurance, you get remunerated for when you take time off work.
Should Your Handyperson have Insurance in Virginia?
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 residence insurance policy does provide cover remuneration for handyman damage, you will still have to fork out the deductible first to settle the claim.
Furthermore, if the handyworker 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 Handyperson Insurance in VA?
There are different types of handyperon insurance coverages to choose from. But it’s worth noting that the more coverage you sign up for, the higher the price.
Handyman general liability insurance is the most basic type of handyman insurance coverage, and offers property damage, medical fees legal fees and settlements.
As a handyworker, you may be doing several types of projects for your clients including installing a new kitchen sink or replacing windows.
General liability insurance for handyman in Virginia shields you in case anyone trips over your tools, and hurts 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 Virginia – VA will cover you for that too. This type of insurance will also cover you against any injury onsite and libel, slander and defamation.
Many insurance companies will also give you the option of adding vehicle insurance, which should cover your tools against theft and damage.
If you drive a truck 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 damages from your own pocket.
Does a Handyman Need a License in Virginia?
Even though handypersons perform several sorts of jobs, some tasks do require a handyman license in Virginia.
In most cases, states do not provide handyman licenses, but this also depends on how massive the job is.
For example, if the task is valued over $5000, the handyworker 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 Virginia.
Handyman Liability Insurance Cost – What to Expect
Handyworker insurance costs vary across insurance companies, and also depends on the type of coverage you opt for.
Handypersons can expect to pay somewhere between $60 per month for general handyman liability insurance cover.
If you want to have handyman workers compensation insurance coverage, then the premium of handyman liability insurance will be roughly $300 per month.
Ready to Get Handyman Liability Insurance in Virginia?
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 invest in the proper handyman liability coverage.