Q: What is General Liability Insurance for a Handyman?
A: General liability insurance is a type of business insurance that provides coverage for third-party property damage, bodily injury, and legal expenses that may arise from your work as a handyman. It’s designed to protect you from potential claims that can result from accidents, mistakes, or other unforeseen incidents while on the job. As a handyman, your work often involves dealing with customers’ homes and properties, making it essential to have the right protection in place.
Q: Why Does a Handyman Need General Liability Insurance?
A: Even the most skilled handyman can face unexpected issues. A simple project like fixing a door or repairing a wall could lead to accidents. For example, you might accidentally damage a customer’s expensive flooring, or a ladder might fall and cause an injury. Without insurance, you would have to cover these costs out of pocket, which can be financially devastating.
Having general liability insurance ensures that if a customer files a claim for property damage or injury, your insurance policy will step in to cover the expenses, including medical bills and legal fees. This protection is not only crucial for your financial well-being but also demonstrates professionalism and trustworthiness to your clients.
Q: What Does General Liability Insurance Cover for a Handyman?
A: General liability insurance typically covers:
- Property Damage: If you accidentally damage a client’s property while working on a project, the policy can cover repair or replacement costs.
- Bodily Injury: If someone is injured as a result of your work (e.g., a client trips over your tools), the insurance can cover medical expenses and legal fees.
- Completed Operations: If a job you completed causes damage or injury at a later date, your policy may provide coverage.
- Personal and Advertising Injury: Protects against claims like defamation or slander if a client alleges that you made false statements.
Q: What is Not Covered by General Liability Insurance?
A: General liability insurance doesn’t cover everything. Some exclusions include:
- Employee Injuries: For this, you’ll need workers’ compensation insurance.
- Tools and Equipment: Damages or theft of your own tools typically require an inland marine policy.
- Professional Errors: For advice or consulting work, consider adding professional liability insurance.
Q: How Much Does General Liability Insurance Cost for a Handyman?
A: The cost of general liability insurance for a handyman varies depending on several factors, including the size of your business, the services you offer, and your location. Generally, policies for handymen are affordable, with basic coverage starting at a few hundred dollars annually. However, the peace of mind it offers is invaluable, as it protects you from potentially thousands of dollars in liability costs.
Q: How Can I Get General Liability Insurance for My Handyman Business?
A: Carvo Insurance Group makes it easy for handymen to get the right coverage quickly and efficiently. With our streamlined platform, you can access instant online quotes, complete instant online binding, and receive an instant online insurance proposal tailored to your business needs.
For General Liability Insurance Quote: https://carvofinancialgroup.com/general-liability/.
Don’t wait until an accident happens. Secure your business with general liability insurance today and stay protected on every job site!
