Insurance for a “jack-of-all-trades” in Texas – Handyman Insurance
As a handyman, you know how to handle it all. From pipes to wires and garbage disposals to toilets, you can help your clients with many different household problems. This means that you may also be exposed to more risk, both in injuring yourself, a client or having an accident that destroys or damages your client’s property. While you may take care to ensure that these risks are mitigated, accidents do happen and liability insurance could help relieve the burden of a lawsuit or judgment should you be found liable for a mishap.
Handyman insurance in Texas can encompass the following types of coverage:
- General Liability: Also known as commercial liability insurance and covers general liability of the business. It is a broad coverage. It is a smart move to have a general liability insurance policy in place.
- Commercial Auto Insurance: Your commercial autos, like a pickup or box truck, should be protected. A commercial auto insurance policy can help protect your work vehicle will go to/from jobs and while being stored.
- And more!
Let the experts Heaton Bennett Insurance. assist you in setting up a handyman insurance policy. They can assist with coverage, explain state liability insurance requirements and help with specialty needs like truck filings. For all your business and personal insurance needs, contact Heaton Bennett Insurance!
Frequently Asked Questions
Can handyman insurance cover accidental damage to a customer’s home?
General liability insurance may respond to certain covered claims involving accidental property damage or bodily injury. Coverage depends on the circumstances and the policy’s limits, exclusions, and deductible.
Are a handyman’s tools covered inside a work vehicle?
Tools and equipment coverage may be available for eligible property transported between jobs or stored inside a vehicle. Texas handymen should review theft-related limitations and security requirements with their agent.
Does handyman insurance cover every type of repair or construction work?
No. Insurance companies may restrict certain services, such as roofing, structural work, electrical work, plumbing, or work above specified heights. Handymen should provide a complete and accurate list of their services.
Are helpers and subcontractors covered?
Employees, temporary helpers, and subcontractors are not necessarily covered automatically. Their roles and employment status should be disclosed, and subcontractors may need to provide their own proof of insurance.
Does a handyman need commercial auto insurance?
Commercial auto insurance may be appropriate when a vehicle is regularly used to carry tools, materials, or employees for work. Personal auto policies may limit or exclude certain business-related uses.