What does Handyman Insurance cover?
Handyman insurance is a type of general liability insurance that covers the financial consequences of bodily injury, property damage, and personal and advertising injury to third parties. It’s a crucial insurance for any business in the handyman industry, as it covers the most common everyday risks. Let’s take a look at a few real-world examples of these risks:
While working on a client’s property, you accidentally leave your toolbelt on the floor, causing the client’s toddler to trip and break a tooth. If you have insurance for your handyman business, it can cover the child’s medical costs, saving you from having to pay out of your own pocket.
While fixing a ceiling-mounted light fixture, your ladder falls over and shatters an expensive chandelier belonging to the client. With handyman business insurance, you can avoid the need to personally reimburse the client.
Personal and advertising injury
If you post a picture of the inside of a client’s home without their permission in an attempt to market your services, the client may sue you for invasion of privacy. With handyman liability insurance, you can receive legal defense and have settlement costs paid if you’re found liable.