Handyman Liability Insurance in Wisconsin – WI

Handyman Liability Insurance in Wisconsin – WI is a must have type of insurance to have for any individual who does odd, yet highly skilled jobs.

A handyman, also dubbed as a handyperson or handyworker is a fellow who works on skilled jobs.

If you’re a handyman, you must buy handyman liability insurance, and here’s why!

What Jobs does Handyman Do in Wisconsin?

But first, a handyworker is not to be mistaken for a contractor because the former is a fellow who can perform many tasks around your house.

The latter generally has some sort of registered license, but can also get handyman liability insurance in Wisconsin. That said, here are some traditional jobs handymen provide.

What are the Traditonal Handyman Jobs in Wisconsin?

Even though there are plethora of services handymen offer, the jobs listed below are the most common.

Plumbing

This is one of the most regular jobs handypersons provide, and is related to plumbing components in a house.

There’s nothing more infuriating than broken plumbing parts in a home.

From the continous dripping havoc to the mold and mildew released from the excess water, it’s a big task to deal with.

To find the cause of the leak, you will need a little expertise, for which you will have to commision a professional handyman. You can always call a plumber to do the job, but this will cost you more bucks.

Handymen in the plumbing field can fix this sort of leaks and much more such as leaks and damages related to washing machines, showers, and even leaks underneath sinks.

The faster you can get these damages fixed, the better it is for the time ahead.

Light Fixture Installation

fixing light fixtures may seem uncomplicated, but it really can be a mind boggling task.

A handyman can repair your light components to increase the aesthetic appeal of your home.

Some handymen also have the knowledge to provide great ideas on upgrading your current light components to make your residence more presentable.

Drywall Repair

If you’re a residence owner, you should already know the damage that can happen to your drywall. These damages occur when you have kids and pets.

The Good news is that mending drywall isn’t that complex, that is if you have the right tools.

A drywall handyperson not only has special skill and finesse, but also owns the right tools for the job.

Interior and Exterior Painting

Yet another project you can probably do yourself, but the results will not be satisfying.

Commissioning the services of a handyworker ensures you get a great job done.

Deck Repairs

Quick fact: more than 20 percent of houses in America have outdoor living spaces including balconies, decks and patios. These areas truly make living more enjoyable, as long as they’re in excellent working order.

But due to exposure to inclement weather, outdoor areas can get mangled over the years.

And as a home owner, you probably don’t have the expertise to repair the decking yourself.

This is another common task for handypersons, as they exhibit special skills to get the job done perfectly.

Flooring Improvements

Replacing or fixing a floor in your residence can be a daunting process. Flooring can get damaged easily such as with dings and dents.

But these problems 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 Wisconsin, as it will safeguard your online business from liability.

Roofing

Even though professional roofers setup roofs on homes, 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 get separate roofing insurance in Wisconsin policy.

A simple trip from a ladder could cause harm to your client or his/her home, for which they can sue your roofing agency for a lot of money.

What are the Benefits of Handyman Liability Insurance in Wisconsin (WI)?

Even if you’re a single employee of the company, you must have handyman liability insurance in WI.

As a handyperson, you probably own several kinds of tools to complete jobs with ease.

These tools can be pricey, and can damage your business in the event of theft. With handyman liability insurance, your gadgets are covered against theft, so you can replace them quickly if they’re stolen.

General liability coverage is yet another perk of handyman liability insurance and protects you in case you cause harm to your customers.

For example, if you’re painting the interior of a customer’s home, and drop paint on the family pet, you may be sued by the house owner.

So, ask yourself, when this happens, do you have the funds to pay for these claims? Probably not, which is why you should get handyman liability insurance in WI.

As a handyworker in Wisconsin, you probably don’t have workers compensation. This implies that if you get hurt while performing the customer’s task, your medical tabs 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 handyworker liability insurance, you get compensated for when you take time off work.

Should Your Handyworker have Insurance in Wisconsin?

You probably have homeowner’s insurance, but does it shield you against injury caused to a 3rd party — your handyworker? The answer is probably not!

Even if your house insurance policy does provide cover compensation for handyman injury, you will still have to pay the deductible first to end the claim.

Furthermore, if the handyperson causes any damage to things and people in your house, your home insurance will probably not coverage it whatsoever.

What are the Different Types of Handyperson Insurance in WI?

There are several types of handyperon insurance coverages to choose from. But it’s worth stating that the more coverage you sign up for, the higher 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 doing several types of tasks for your clients including installing a new kitchen sink or repairing windows.

General liability insurance for handyman in Wisconsin covers you in case someone 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 Wisconsin – WI will cover you for that too. This kind of insurance will also protect you against any injury onsite and libel, slander and defamation.

Many insurance agencies will also provide the option of adding vehicle insurance, which should protect 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 understand whether you need handyworker insurance, ask yourself if you will be able to compensate for the injury from your own pocket.

Does a Handyman Need a License in Wisconsin?

Even though handymen perform several sorts of jobs, some tasks do require a handyman license in Wisconsin.

In most cases, states do not give handyman licenses, but this also depends on how big the job is.

For example, if the job is valued over $5000, the handyworker may be asked to provide a license.

Each state has its own criteria for a handyman license, and some states don’t issue a handyman license such as Wisconsin.

Handyworker Liability Insurance Cost – What to Expect

Handyman insurance fees vary across insurance firms, and also depends on the kind of coverage you choose.

Handyworkers can expect to pay approximately 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 roughly $300 per month.

Ready to Get Handyman Liability Insurance in Wisconsin?

When selecting 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 proper handyman liability coverage.

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