A handyman, or we can also say a handyperson, is an unlicensed worker or contractor who deals with the maintenance of your home. He deals with small home repairs and simple installation services. They may do works like minor carpentry, plumbing, electrical work, painting, drywall or plastering, all these work but do not require a license to do any of this. Unique jobs like air conditioning, roofing, furnace installation are not a handyman's work as these works require a license or permit from the fair associations.

What is handyman insurance?

At some point in time, we all need handymen services, and if you are running a handyman business. Then you might be fulfilling the needs of your neighbourhood. But do you protect yourself against the risks damages that you may face? A handyman insurance is must so that you may be protected from accidents and risks. A handyperson does a wide range of work, and you should be sure that the insurance policy you pick up must cover you for what you are doing.

If you are a carpenter, plumber or home maintenance helper or flooring professional without a license, then you may need handyman insurance that is tailored for the risk that you may face in your work line. A package that covers from particular perils is essential.

Risks covered in the insurance

As a handyman, you may face many common risks every day. The types of common risks that you may face each day may include:

• Loss due to injury to the person working or any damage to the property claims that are caused by you or the other persons working for you during the course of business.

• Loss due to the theft of equipment and tools during the course of business. This may happen at the site of the company, during transit to the job or at your place of business.

• Claims arising due to damage caused by you or your employee while travelling in a personal vehicle or company vehicle. It includes damage to the vehicle, damage to the third party if any involved in travelling or damage to you or your employees.

• In case an e4mployee of yours is hired without checking his background, and he has some criminal records in the past. So the case is that there is no surety of that person's loyalty. He can still be a thief or criminal. In case he makes some criminal actions, you can get secure of monetary damages caused by him with the help of handyman insurance.

Final words

There is more for you to know about this insurance policy. The above given is an overview of the policy. Hopefully, it might have represented all the detailed info of the policy.