Whether or not you need to be licensed depends on the state. Only some states require a license to work as a handyperson. In many states, handypersons can work without a license if the job does not exceed a specific dollar value. For example, in Alaska, you only need a handyman license to work on projects worth more than $10,000. In California, the total costs will be capped at $500, including combined labor and materials costs. In Florida, you only need a license to do specific regulated jobs.

A handyperson will provide you with a convenient service quickly and efficiently. A handyman has excellent experience in performing various tasks and repairs. By hiring a handyperson, they can do the work much faster and more efficiently than you could do for yourself.

When referring to your Handyperson, politely asking your pro how they would like you to identify them during the project is recommended. A handyperson is a term used to describe professional fixers who can tackle a wide range of general home repairs. Some pros prefer to use the term handy worker, handyman, or handywoman.

A handyperson’s tasks can range from minor to primary, from unskilled to highly skilled, and include painting, drywall repair, remodeling, little plumbing work, minor electrical work, household carpentry, sheetrock, crown molding, and furniture assembly.

Umbrella Insurance: Umbrella Insurance acts as a supplement to your other policies. Your Umbrella Insurance makes up the difference if a claim exceeds your policy’s limit.

Commercial Auto: In the event of an accident, Commercial Auto Insurance protects your work vehicle or your personal vehicle if you use it for work purposes more than 50% of the time.

All Handyman businesses could benefit from insurance coverage- whether you are a one-person operation or building up a larger business.

Risk is uncertainty from the possible occurrence of given events. For example, a worker not wearing a hard hat on a job site is a risk that may lead to an injury.

Before you begin any job:

1. Mark the area where you will be working to keep other people out.
2. Put tools and equipment away when you are finished using them so no one slips and falls on them.
3. Ensure your tools are secure so no one can use them without permission.

Getting your tools and equipment stolen is not only a significant inconvenience but can also be costly to replace. While it doesn’t bring your tools back, having tools & equipment coverage helps you get back to work faster by paying for replacements.

A deductible is an amount the insurance company will deduct from the loss before the company pays up to your policy limit. Such as: With a $2,000 deductible, you pay the first $2,000 of covered services.

Mowing the grass may not be a high-risk activity. However, if the mower blade or string on a trimmer hits a rock, stick, or other hard object launching it through the air, it could break windows, damage cars, or injure someone. To help prevent property damage and injuries, here are a few tips

• Dress appropriately and use personal protective equipment such as safety goggles or a face shield.

• If someone walks by while you’re mowing or trimming, stop and wait until they’re at least 50 feet away to start again.

• If you’re using a weed whacker, angle it away from the nearby property to avoid damage.

• Install shields or guards on your equipment to help catch debris before it can hurt someone.

It is essential to know that General liability coverage for handypersons only sometimes includes policies for lawn mowing services. Therefore if you perform lawn maintenance regularly, check to see what your liability insurance covers and ensure you add lawn care to your policy coverages.

A broker is a licensed person or organization paid by you to look for insurance on your behalf.

A licensed person is a person who is authorized to sell insurance by or on behalf of an insurance company.

If an insurance company is admitted, it means they’ve met the regulations set by the state Department of Insurance (DOI) in their work areas. In comparison, non-admitted insurance carriers still need to meet their state’s requirements.

When you are replacing a faucet, installing a new washing machine, or unclogging a sink, if you are not careful, you can cause water damage to a client’s home. Before you start working on any project that involves plumbing, here are some helpful tips to keep in mind.

• Make sure to turn off the water.
• Check for leaks before leaving the job site when turning the water back on.
• If you need to cut into drywall, ensure there’s no piping you can hit with a drill or saw.
• The interior of a home isn’t the only place water damage can occur. It can also happen outside if you’re helping a homeowner with landscaping. If you need to dig in someone’s yard, locate the pipes before starting, so you don’t hit them.

Actions you can take to help reduce your chances of incidental property damage when on the job. 

• Before you start, perform a visual inspection to identify potential hazards and fragile property.

• Move or ask the homeowner to move breakable and high-value items out of the way.

• Cover floors, furniture, and other large items you can’t move with drop cloths to help protect them.

• Pay attention to your surroundings when you move from one part of the house to another, or carry tools and supplies from your truck into the homeowner’s house.

Question: Can you provide an example of Incidental Property Damage concerning a handyman? 

• Example: Say you are installing new shelves in a client’s family room when the hammer slips from your hand, knocking over an antique vase that falls to the floor and shatters. That would be incidental property damage. We all know that accident happens. However, general liability insurance will help you pay for unexpected expenses if you damage someone else’s property.

When you have commercial property coverages, it can help you pay for the following:

• Damaged equipment and inventory
• Lost income
• Operating expenses

For business owners who own or rent physical spaces, commercial property insurance can help protect your handyperson business equipment, inventory, and your building if you own it. If you own real estate where you store equipment, commercial property insurance provides coverage for your handyman equipment while it’s on the premises and for the building itself.

A claim is a demand by an individual or a company for compensation or recovery from a loss that falls under the insurance policy. For example, if you get in a car accident on the job, you would file a claim under your Commercial Auto policy.

Tools and equipment coverage ensures your handyman gear is protected wherever you keep it, such as in your vehicle, in a trailer, or at a job site. If you do not own or lease property and regularly take expensive gear to a job site, tools and equipment insurance for handypersons offers protection against damage or theft. This coverage benefit is available as an add-on to our general liability insurance.

Bundle: When you bundle your insurance, you buy multiple types of insurance, such as General Liability, Inland Marine, and Commercial Auto, from the same carrier.

An amount equivalent to the fair market value of the stolen or damaged property immediately preceding the loss. For real property, this amount can be based on a determination of the property’s fair market value before and after the loss. This amount can be determined by local area private party sales and dealer quotations for comparable vehicles.