Handyman General Liability Insurance

As a handyman, it is essential to protect yourself and your business from potential liabilities. General liability insurance is a type of insurance that can help protect your business against lawsuits and claims. In this article, we will discuss what handyman general liability insurance is, what it covers, and how to choose the right policy for your business.

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What is Handyman General Liability Insurance?

General liability insurance is a type of insurance that can protect you and your business from lawsuits and claims related to bodily injury or property damage that may occur during work. This insurance can cover legal defense costs, settlements, and judgments if you are found liable for damages.

Handyman general liability insurance is a specific type of general liability insurance designed for handymen and handyman businesses. This insurance can cover accidents, injuries, or damage occurring during work, such as a client slipping and falling or damage to a client’s property.

What Does Handyman General Liability Insurance Cover?

Handyman general liability insurance typically covers:

What is Covered	What is Not Covered
Bodily injury to a third party	Injuries to you or your employees
Property damage to a third party	Damages to your own property
Legal defense costs	Intentional acts or criminal activity
Settlements or judgments	Professional mistakes or errors

It’s important to note that every policy is different, and what is covered will depend on the specific terms of your policy. It’s also essential to review the exclusions listed in your policy to understand what is not covered.

How Much Does Handyman General Liability Insurance Cost?

The cost of handyman general liability insurance can vary depending on several factors, including the size of your business, the type of work you do, your location, and your claims history.

On average, handyman general liability insurance can cost between $400 and $1,500 a year. However, the cost can be higher or lower depending on your specific situation.

Why Do You Need Handyman General Liability Insurance?

Working as a handyman can be risky, and accidents can happen. Even if you take all necessary precautions, accidents can still occur, and you want to protect your business from the financial consequences of potential lawsuits and claims.

Handyman general liability insurance can provide you with peace of mind knowing that you are protected against potential legal and financial consequences of accidents or damages that may occur during your work. It can also make your business more attractive to potential clients who want to work with professionals who are insured.

How to Choose the Right Handyman General Liability Insurance Policy?

Choosing the right handyman general liability insurance policy can be challenging, but here are some factors to consider:

Coverage limits: Make sure to choose a policy that covers your needs adequately.
Premiums: Compare quotes from different insurance providers to find the best value for your money.
Deductibles: Consider the size of the deductible and how it will affect your out-of-pocket costs if a claim is filed.
Exclusions: Review the exclusions listed in the policy to understand what is not covered.
Insurance provider: Choose a reputable insurance provider that has experience working with handymen and understands your unique needs.

FAQ

What if I Have Employees?

If you have employees, you may need to consider additional insurance such as workers’ compensation insurance or employment practices liability insurance (EPLI). Workers’ compensation insurance can cover medical expenses and lost wages if an employee is injured while working. EPLI can cover legal costs related to claims of employment discrimination or wrongful termination.

Can I Get Handyman General Liability Insurance Online?

Yes, many insurance providers offer online quotes and purchasing options for handyman general liability insurance. However, it’s important to do your research and choose a reputable insurance provider with experience working with handymen.

What Happens if I Don’t Have Handyman General Liability Insurance?

If you don’t have handyman general liability insurance, you could be personally responsible for legal fees, settlements, and judgments if a claim is filed against your business. This could result in significant financial consequences and even bankruptcy for your business.

Can My Handyman General Liability Insurance Policy Be Cancelled?

Yes, your handyman general liability insurance policy can be canceled for a variety of reasons, including non-payment of premiums or fraudulent claims. It’s important to review the terms of your policy to understand the circumstances under which it can be canceled.

What if I Work Out of My Home?

If you work out of your home, you may need additional coverage beyond handyman general liability insurance. Your homeowners’ insurance policy may not cover accidents or damages that occur during your work, so it’s essential to review your policy and consider additional coverage if necessary.

Conclusion

Handyman general liability insurance is an essential type of insurance that can protect you and your business from potential legal and financial consequences of accidents or damages that may occur during your work. It’s important to choose the right policy that adequately covers your needs, and to review the exclusions and terms of the policy to understand what is and is not covered. By taking the time to choose the right policy, you can have peace of mind knowing that you are protected against potential risks and liabilities.

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