As a handyman, you’re the person everyone looks towards to solve their problems and get things fixed, but are you being looked after the way you look after your customers? Being handy and able to fix lots of different things is great for your service, but it also opens you up to lots of different risks.
In order to protect yourself from those risks, you need to make sure you have the right handyman insurance that fits the service you provide.
Handymen Do Many Things – Your Coverage Needs to Reflect That
When you’re looking for your handyman business insurance, make sure you go through a trusted company, and remember these key points.
As a handyman, you can fix almost anything, you’re part engineer, part electrician, part plumber, and so much more. The difficulty is, this means you’ve got to be covered for lots of different things, so you need a comprehensive handyman insurance policy.
Your business is your livelihood, so you need to know that you’re protected should you get injured or incur expensive legal costs as a result of an error. We always hope things don’t go wrong, but it’s best to be well protected if they do.
What Do I Need to be Insured Against?
There are lots of potential risks associated with being a handyman. Whether you’re climbing ladders, using power tools, or hammering in a nail, your risk of personal injury is higher than your standard office job. If you were to get injured, you might face expensive medical bills and the prospect of lost income as you’re not able to work.
However, it’s not just personal injury your handyman insurance covers you from. It also covers you if a member of the public is injured as a result of your work, or if property is damaged. A lack of insurance can mean you end up paying substantial costs to cover these damages, putting your business at risk.
A Tailored Approach
To reflect the varied nature of your work, good insurance companies will be able to build you a tailored policy that covers you against the things you need to be covered against without making you pay for things you don’t need.
There are different levels of cover, and you can decide which ones you need and which ones you don’t.
- General liability coverage
- Worker’s comp
- Equipment insurance
- Commercial auto insurance
All of these items are an extremely important part of keeping your handyman business prosperous and protecting it against the unexpected.
Peace of Mind
You might go through your whole career without any incidents, in which case, you can get away with the most basic insurance, but the thing is, you never know. If something does go wrong, and you don’t have the right insurance, your business can be put in severe jeopardy.
Getting the right handyman insurance gives you the peace of mind to work freely and do your best work, safe in the knowledge you are fully protected. It’s a small detail, but the right handyman insurance makes a big difference to how you work.