Handyman Liability Insurance in West Virginia – WV
Handyman Liability Insurance in West Virginia – WV is a crucial type of insurance to have for any individual who does odd, yet highly skilled projects.
A handyman, also known as a handyperson or handyworker is a individual who works on skilled jobs.
If you’re a handyworker, you should buy handyman liability insurance, and here’s why!
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What Jobs does Handyman Do in West Virginia?
But first, a handyperson is not to be mistaken for a contractor because the former is a fellow who can perform many tasks around your residence.
The latter usually has some kind of registered license, but can also get handyman liability insurance in West Virginia. That said, here are some traditional jobs handymen provide.
What are the Traditonal Handyman Jobs in West Virginia?
Even though there are myriad services handymen provide, the services listed below are the most common.
This is one of the most traditional jobs handyworkers provide, and is regarding plumbing components in a home.
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There’s nothing more annoying than damaged plumbing fixtures in a home.
From the constant dripping sound to the mold and mildew released from the excess water, it’s a big problem to deal with.
To find the cause of the leak, you will need a little expertise, for which you will have to hire a professional handyman. You can always hire a plumber to do the job, but this will cost you more cash.
Handymen in the plumbing domain can fix this sort of leaks and much more such as leaks and issues related to washing machines, showers, and even leaks under 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 tough task.
A handyperson can fix your light parts to increase the aesthetic appeal of your home.
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Some handymen also have the expertise 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 problems that can take place to your drywall. These dings happen when you have kids and pets.
The Good news is that fixing drywall isn’t that hard, that is if you own the right tools.
A drywall handyworker not only has special expertise and finesse, but also owns the right tools for the job.
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Interior and Exterior Painting
Yet another task you can perhaps do yourself, but the results will not be good.
Getting the services of a handyworker makes sure you get a good job done.
Quick fact: more than 20 percent of houses in America have outdoor living areas including balconies, decks and patios. These areas truly make living more pleasant, as long as they’re in great working state.
But due to exposure to bad weather, outdoor spaces can get mangled over the years.
And as a house owner, you probably don’t have the knowledge to mend the decking yourself.
This is another common task for handymen, as they have special skills to get the job done perfectly.
Replacing or fixing a floor in your residence can be a daunting process. Flooring can get broken easily such as with dings and dents.
But these things can be easily restored by a handyperson.
And if you’re a handyworker selling things related to flooring from your website, you must check out ecommerce business insurance in West Virginia, as it will protect your online business from liability.
Even though professional roofers install roofs on buildings, some handymen 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 West Virginia policy.
A simple trip from a ladder could cause harm to your client or his/her house, for which they can sue your roofing business for massive money.
What are the Perks of Handyman Liability Insurance in West Virginia (WV)?
Even if you’re a single employee of the company, you should get handyman liability insurance in WV.
As a handyperson, you probably carry several types of equipment to complete tasks with ease.
These tools can be costly, and can hurt your business in the event of theft. With handyman liability insurance, your equipment are covered against theft, so you can replace them quickly if they’re stolen.
General liability coverage is yet another benefit of handyman liability insurance and covers you in case you cause damage 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 home 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 WV.
As a handyperson in West Virginia, you probably don’t have workers compensation. This indicates that if you get hurt while performing the customer’s project, your medical tabs will not be paid.
Plus, if you take time off due to the injury caused to you, you will not be compensated for the lost time. With handyperson liability insurance, you get compensated for when you take leave from work.
Should Your Handyworker have Insurance in West 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 home insurance policy does provide cover remuneration for handyman injury, you will still have to fork out the deductible first to close the claim.
Furthermore, if the handyperson causes any breakage to things and people in your property, your home insurance will probably not coverage it whatsoever.
What are the Different Types of Handyman Insurance in WV?
There are different types of handyperon insurance coverages to choose from. But it’s worth mentioning that the more coverage you ask 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 handyperson, you may be performing several types of jobs for your clients including installing a new kitchen sink or changing windows.
General liability insurance for handyman in West Virginia shields you in case anyone trips over your tools, and breaks their leg or other part of their body.
And if you mistakenly drop your client’s $100,000 antique vase, then General liability insurance for handyman in West Virginia – WV will cover you for that too. This form of insurance will also shield you against any injury onsite and libel, slander and defamation.
Many insurance companies will also offer the option of adding vehicle insurance, which should protect your tools against theft and damage.
If you drive a vehicle 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 compensate for the damages from your own pocket.
Does a Handyman Need a License in West Virginia?
Even though handymen perform several sorts of jobs, some tasks do require a handyman license in West Virginia.
In most cases, states do not issue handyman licenses, but this also depends on how huge the job is.
For example, if the project is valued over $5000, the handyman may be asked to get a license.
Each state has its own prerequisites for a handyworker license, and some states don’t need a handyman license such as West Virginia.
Handyperson Liability Insurance Cost – What to Expect
Handyman insurance costs vary across insurance firms, and also depends on the kind of coverage you select.
Handypersons can expect to pay approximately 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 somewhere around $300 per month.
Ready to Get Handyman Liability Insurance in West Virginia?
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 get the best handyman liability coverage.