Handyman Liability Insurance in Wyoming – WY
Handyman Liability Insurance in Wyoming – WY is a crucial type of insurance to have for any individual who does odd, yet highly skilled projects.
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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 handyworker, you have to buy handyman liability insurance, and here’s why!
What Jobs does Handyman Do in Wyoming?
But first, a handyman is not to be taken for a contractor because the former is a person who can perform more tasks around your house.
The latter generally has some sort of registered license, but can also invest in handyman liability insurance in Wyoming. That said, here are some traditional jobs handymen provide.
What are the Traditonal Handyman Jobs in Wyoming?
Even though there are myriad services handymen perform, the tasks listed below are the most common.
This is one of the most traditional jobs handymen provide, and is regarding plumbing components in a house.
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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 stemming from the extra water, it’s a big task to deal with.
To search the cause of the leak, you will need industry expertise, for which you will have to opt for a professional handyman. You can always call a plumber to do the work, but this will cost you more cash.
Handymen in the plumbing domain can fix this type of leaks and much more such as leaks and issues related to washing machines, showers, and even leaks under sinks.
The faster you can get these damages fixed, the better it is for the long term.
Light Fixture Installation
switching light fixtures may seem uncomplicated, but it ideally can be a mind boggling task.
A handyperson can change your light parts to increase the aesthetic appeal of your home.
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Some handypersons also have the prowess to offer great ideas on upgrading your current light fixtures to make your home more presentable.
If you’re a house owner, you should already know the damage that can take place to your drywall. These damages happen when you have kids and pets.
The Good news is that repairing drywall isn’t that hard, that is if you own the right tools.
A drywall handyworker not only has special skill and finesse, but also has the right 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 satisfying.
Hiring the services of a handyman makes sure you get a good job done.
Quick fact: more than 20 percent of homes in America have outdoor living spaces including balconies, decks and patios. These locations truly make living more pleasant, as long as they’re in great working condition.
But due to exposure to harsh weather, outdoor locations can get mangled over the years.
And as a residence owner, you probably don’t have the expertise to mend the decking yourself.
This is another common project for handypersons, as they possess special skills to get the job done perfectly.
Replacing or fixing a floor in your home can be a tiresome process. Flooring can get ruptured easily such as with dings and dents.
But these problems can be easily repaired by a handyperson.
And if you’re a handyperson selling stuff related to flooring from your website, you have to check out ecommerce business insurance in Wyoming, as it will shield your online business from liability.
Even though professional roofers place roofs on buildings, some handypersons 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 Wyoming policy.
A simple fall from a ladder could cause injury to your client or his/her home, for which they can sue your roofing agency for massive money.
What are the Advantages of Handyman Liability Insurance in Wyoming (WY)?
Even if you’re the only employee of the company, you invest in handyman liability insurance in WY.
As a handyman, you probably carry several types of tools to complete projects with ease.
These tools can be costly, and can damage your business in the event of theft. With handyman liability insurance, your equipment are protected against theft, so you can replace them fast 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 interior 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 occurs, do you have the cash to pay for these claims? Probably not, which is why you should get handyman liability insurance in WY.
As a handyworker in Wyoming, you probably don’t have workers compensation. This means that if you get injured while performing the customer’s task, your medical bills will not be paid.
Plus, if you take time off due to the harm caused to you, you will not be paid for the lost time. With handyworker liability insurance, you get compensated for when you take days off work.
Should Your Handyperson have Insurance in Wyoming?
You mostly have homeowner’s insurance, but does it protect you against injury caused to a 3rd party — your handyperson? The answer is probably not!
Even if your home insurance policy does provide cover compensation for handyman harm, you will still have to fork out the deductible first to end the claim.
Furthermore, if the handyperson causes any damage 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 WY?
There are several types of handyperon insurance coverages to choose from. But it’s worth mentioning that the more coverage you ask for, the steeper the price.
Handyman general liability insurance is the most common type of handyman insurance coverage, and offers property damage, medical fees legal fees and settlements.
As a handyworker, you may be performing several types of tasks for your clients including installing a new kitchen sink or changing windows.
General liability insurance for handyman in Wyoming shields you in case someone trips over your tools, and hurts 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 Wyoming – WY 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 give you the option of adding vehicle insurance, which should cover 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 understand whether you need handyworker insurance, ask yourself if you will be able to fork out for the claims from your own pocket.
Does a Handyman Need a License in Wyoming?
Even though handymen perform several kinds of jobs, some tasks do require a handyman license in Wyoming.
In most cases, states do not give handyman licenses, but this also depends on how huge the job is.
For example, if the job is valued over $5000, the handyman may be asked to get a license.
Each state has its own requirements for a handyman license, and some states don’t issue a handyman license such as Wyoming.
Handyman Liability Insurance Cost – What to Expect
Handyworker insurance fees vary across insurance companies, and also depends on the type of coverage you select.
Handymen can expect to pay somewhere between $60 per month for general handyworker liability insurance cover.
If you want to opt for handyman workers compensation insurance coverage, then the price of handyman liability insurance will be somewhere around $300 per month.
Ready to Get Handyman Liability Insurance in Wyoming?
When choosing 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 buy the best handyman liability coverage.