Handyman Liability Insurance in Washington – WA
Handyman Liability Insurance in Washington – WA is a an important type of insurance to have for any person who does odd, yet highly skilled jobs.
A handyman, also known as a handyperson or handyworker is a fellow who performs skilled jobs.
If you’re a handyperson, you should buy handyman liability insurance, and here’s why!
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What Jobs does Handyman Do in Washington?
But first, a handyperson is not to be mistaken for a contractor because the former is a fellow who can perform seevral tasks around your home.
The latter mostly has some kind of registered license, but can also get handyman liability insurance in Washington. That said, here are some traditional jobs handymen provide.
What are the Common Handyman Jobs in Washington?
Even though there are several services handymen offer, the tasks listed below are the most common.
This is one of the most traditional jobs handymen provide, and is related to plumbing parts in a house.
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There’s nothing more infuriating than damaged plumbing fixtures in a home.
From the continual dripping havoc to the mold and mildew stemming from the extra water, it’s a big issue to deal with.
To locate 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 work, but this will cost you more bucks.
Handymen in the plumbing field 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 faster you can get these damages fixed, the better it is for the future.
Light Fixture Installation
fixing light fixtures may seem simple, but it really can be a mind boggling task.
A handyman can change your light parts to increase the aesthetic appeal of your home.
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Some handymen also have the prowess to offer great ideas on upgrading your current light parts to make your home more presentable.
If you’re a house owner, you should already know the issues 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 got the right tools.
A drywall handyperson not only has special knowledge and finesse, but also owns the right 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.
Commissioning the services of a handyman ensures you get a great job done.
Quick fact: more than 20 percent of houses in America have outdoor living spaces including balconies, decks and patios. These living spaces truly make living more delightful, as long as they’re in excellent working order.
But due to exposure to bad weather, outdoor areas can get damaged over the years.
And as a house owner, you probably don’t have the skills to mend the decking yourself.
This is another common project for handypersons, as they exhibit special skills to get the job done right.
Replacing or fixing a floor in your home can be a time consuming 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 accessories related to flooring from your website, you have to check out ecommerce business insurance in Washington, as it will protect your online business from liability.
Even though professional roofers place roofs on homes, some handyworkers 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 Washington 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 Advantages of Handyman Liability Insurance in Washington (WA)?
Even if you’re the sole employee of the company, you should get handyman liability insurance in WA.
As a handyman, you probably own several pieces of gadgets to complete tasks with ease.
These tools can be costly, and can harm your business in the event of theft. With handyman liability insurance, your gadgets are protected against theft, so you can replace them easily if they’re stolen.
General liability coverage is yet another advantage of handyman liability insurance and protects you in case you cause harm to your customers.
For example, if you’re painting the outside 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 occurs, do you have the funds to pay for these claims? Probably not, which is why you need handyman liability insurance in WA.
As a handyperson in Washington, you probably don’t get workers compensation. This means that if you get harmed while performing the customer’s project, your medical expenses will not be reimbursed.
Plus, if you take time off due to the injury caused to you, you will not be remunerated for the lost time. With handyman liability insurance, you get paid for when you take leave from work.
Should Your Handyworker have Insurance in Washington?
You probably have homeowner’s insurance, but does it protect you against injury caused to a 3rd party — your handyman? The answer is probably not!
Even if your residence insurance policy does provide cover remuneration for handyman injury, you will still have to give the deductible first to settle the claim.
Furthermore, if the handyworker causes any breakage to stuff and people in your house, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyworker Insurance in WA?
There are many types of handyperon insurance coverages to choose from. But it’s worth mentioning 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 tasks for your clients including installing a new kitchen sink or repairing windows.
General liability insurance for handyman in Washington shields 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 Washington – WA 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 offer the option of adding vehicle insurance, which should shield your tools against theft and damage.
If you drive a van with many tools in it, then choose the extra truck insurance option makes sense.
To determine whether you need handyperson insurance, ask yourself if you will be able to pay for the damages from your own pocket.
Does a Handyman Need a License in Washington?
Even though handypersons perform several types of jobs, some tasks do require a handyman license in Washington.
In most cases, states do not give handyman licenses, but this also depends on how huge 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 handyman license, and some states don’t need a handyman license such as Washington.
Handyman Liability Insurance Cost – What to Expect
Handyworker insurance costs vary across insurance agencies, and also depends on the type of coverage you choose.
Handypersons can expect to pay anywhere between $60 per month for general handyperson 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 Washington?
When choosing 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 buy the best handyman liability coverage.