General Liability Insurance for Handyman

As a handyman, you are responsible for repairing and maintaining various types of properties. You are also responsible for ensuring that your work is done safely and efficiently. While being a handyman can be a rewarding job, it also comes with its risks. That’s why it’s important to have general liability insurance.

What is General Liability Insurance?

General liability insurance is a type of insurance that helps protect you from financial loss due to claims of property damage, bodily injury, and other types of liability. If a client or third party makes a claim against you, your general liability insurance policy can help cover the costs associated with the claim.

As a handyman, you may be required to have general liability insurance by law. Even if it’s not required, it’s still a good idea to have this type of insurance to protect yourself and your business.

What Does General Liability Insurance Cover?

General liability insurance can cover several types of claims, including:

Bodily injury coverage can help cover the costs associated with injuries to third parties, such as clients or visitors to the property where you are working. Property damage coverage can help cover the costs associated with damage to third-party property, such as a client’s home.

Personal injury coverage can help cover the costs associated with claims of slander, libel, or copyright infringement. Advertising injury coverage can help cover the costs associated with claims of false advertising or misleading marketing.

Why Do Handymen Need General Liability Insurance?

As a handyman, you may work in various types of properties, such as homes and commercial buildings. You may also work with various types of tools and equipment, which can pose a risk to you and those around you.

If an accident happens on the job, such as a client slipping and falling or a tool causing damage to property, you may be held liable. Without general liability insurance, you may be responsible for paying for damages out of your own pocket.

How Much Does General Liability Insurance Cost?

The cost of general liability insurance can vary depending on several factors, such as:

• The type of work you do
• The size of your business
• The location of your business
• The coverage limits you choose

Generally, the cost of general liability insurance for a handyman can range from $400 to $1,500 per year. However, it’s best to get a quote from an insurance provider to get an accurate estimate.

How to Get General Liability Insurance?

To get general liability insurance, you can follow these steps:

1. Determine the coverage limits you need
2. Find an insurance provider that offers general liability insurance for handymen
3. Get a quote from the insurance provider
4. Review the policy terms and conditions
5. Sign up for the policy

It’s important to review the policy terms and conditions carefully to ensure that you are getting the coverage you need. If you have any questions or concerns, don’t hesitate to ask your insurance provider.

FAQ

What if I work as an independent contractor?

If you work as an independent contractor, you may still need general liability insurance. Check with your clients to see if they require you to have this type of insurance. Even if it’s not required, it’s still a good idea to have general liability insurance to protect yourself and your business.

What if I work with subcontractors?

If you work with subcontractors, you may want to consider getting additional insurance coverage. Your general liability insurance may not cover the actions of your subcontractors, so it’s important to have additional coverage to protect yourself.

What if I have employees?

If you have employees, you may need to get workers’ compensation insurance in addition to general liability insurance. Workers’ compensation insurance can help cover the costs associated with workplace injuries or illnesses.

What if I’m sued?

If you’re sued, you should notify your insurance provider right away. Your insurance provider can help you navigate the legal process and provide financial assistance if necessary.

What if I don’t have insurance?

If you don’t have insurance, you may be responsible for paying for damages out of your own pocket. This can be a financial burden and can potentially bankrupt your business. That’s why it’s important to have insurance to protect yourself and your business.

Conclusion

General liability insurance is essential for handymen who want to protect themselves and their businesses from liability claims. By getting general liability insurance, you can have peace of mind knowing that you are covered in case of accidents or damages. Don’t wait until it’s too late – get general liability insurance today.