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handyman liability insurance
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Handyman Insurance

If you are a handyman you may want to consider purchasing a handyman insurance policy. Here at Bains and Woodward Insurance we understand the diverse jobs that a handyman will often perform throughout his day. We also understand how important it is to carry insurance to protect yourself and your assets. It is our goal to ensure each and every one of our clients has adequate coverage at a great price, and we take the steps to get you there.

Here at Bains and Woodward Insurance we understand that as a handyman you are a Jack of all trades. Your business insurance in California should reflect this. The types of jobs you perform can often vary from one classification to the next. One morning a handyman may be a painter and that afternoon he may be a plumber. In the evening he may find himself working on a retaining wall, classifying him as a mason. We understand that as a handyman you will typically have the highest amount of exposure in the commercial insurance industry. It is highly important your agent understands this and places adequate coverage on your policy. We will work with you to identify the needs you will have and we will meet them before they arise.

If you are more than a handyman and are a licensed contractor please see our page on contractors insurance California.

Why Is Handyman Insurance Different Than Other Policies?

As a Handyman you will face many different risks or exposures and need a general liability insurance in California policy that shows this. These risks are just a part of the job, and as such it is highly important that you recognize this. Understanding all of the risks that a handyman faces, one would have to be quite brave to perform work without a general liability policy. Letís take the following scenario as an example; you were hanging a shelf in a bathroom and you accidentally screwed into a water pipe. After a short time that pipe may begin leaking and it could cause extensive damage to the property including mold or mildew in the wall and rotting wood. Anyone with a half decent lawyer will be able to convince a jury that it was your work that caused this, and you will most likely be held responsible for the damages. If you are found responsible for the damages you will be responsible for the cost as well. These costs can be quite expensive, and most people are not going to be willing to allow you to work on their home again to try and repair the damages. This means you will have to pay for the cost of repairs, if you do not have insurance you will have to pay for this out of pocket. In addition to the actual settlement or judgment against you, there are also legal fees for both yourself and the other party you may have to pay. Having a handyman general liability insurance policy can cover most if not all of the costs associated, even legal fees! Failing to carry handyman insurance could mean thousands of dollars out of pocket. If you do not have the funds to cover the costs the court system may order your assets liquidated until the debt is settled. If it still is not settled at that point, you may even have your wages garnished until the debt is resolved. Donít find yourself in their position, call us today!

Why Is Bains And Woodward The Better Option For Handyman Insurance?

Here at Bains and Woodward we are independent agents who work with multiple carriers so that we can bring as many options to the table for each client. The more options you have the more you could potentially save on your handyman insurance. We will sit down with you and go over any and all concerns you may have, we will address the issues that are important to business owners and we will ensure you are receiving the best possible policy in your price range. Unlike most other agencies, we work for you. We will have multiple carriers competing for your business in just minutes. When carriers compete for your business, you save money. Let us show you how much time and money you can save by shopping through us.

Let one of our highly trained agents show you why so many people have switched their insurance policies over to us. We have the experience it takes to ensure you are getting the policy you need to protect your business. Donít waste your time shopping with carriers who are far too pricey, this will only discourage you. Many of our new clients had no clue they were paying too much for their insurance until we told them. We don't just do handyman insurance though. Tell your friends that we can also help them on their business regardless of what it is. We write policies for anything from accountant insurance to cleaning company insurance.

handyman business insurance

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