What is handyman insurance?
Handyman insurance is a type of liability insurance that covers damages or injuries caused by the handyman while working on your property. It typically includes general liability coverage, which protects against accidents, property damage, and personal injury claims. Some policies may also include worker's compensation coverage, which provides benefits to the handyman in case of work-related injuries.
Why is handyman insurance important?
Handyman insurance is important for both the handyman and the homeowner. For the handyman, it provides financial protection in case of accidents or injuries that may occur during the job. Without insurance, the handyman may be personally liable for damages or medical expenses, which can be financially devastating. For the homeowner, handyman insurance provides peace of mind knowing that they are protected against any damages or injuries that may occur during the project. If any accidents or damages occur, the homeowner can file a claim with the handyman's insurance company to cover the costs.
What to look for in a handyman's insurance policy?
When hiring a handyman, it's important to ask for proof of insurance. Make sure their insurance policy includes general liability coverage and worker's compensation coverage if applicable. Check the coverage limits and make sure they are sufficient to cover any potential damages or injuries. It's also important to check if the policy is up to date and valid. You can request a certificate of insurance from the handyman's insurance company to verify their coverage.
Conclusion
Handyman insurance is an important aspect to consider when hiring a handyman. It provides protection for both the handyman and the homeowner in case of accidents or damages during the job. Make sure to ask for proof of insurance and verify the coverage before hiring a handyman. By doing so, you can ensure a smooth and worry-free home repair or renovation experience.