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Florida Handyman Insurance quote and information.

  1. How do insurance companies define Handyman?
  2. What risk exposure do Handyman’s have?
  3. What is the price of Handyman insurance?
  4. Is insurance for Handymen required in Florida?
  5. What coverages are common to Handyman businesses?
  6. Can you provide insurance anywhere in the state?

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How do insurance companies define Handyman?

A “handyman” or “handy person” is an unlicensed contractor specializing in home maintenance, small home repairs and simple installations. They may do minor carpentry, plumbing and electrical work but nothing requiring a license or permit. Roofing does not fall into the job description of a handyman.

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What risk exposure do Handymen have?

Property Exposures
Depend on the type and amount of stock kept on hand. Some contractors have only a small display area while others display above ground pools and a variety of pool related products available for retail purchase. The most significant exposure is the storage of pool chemicals in a dry area because the introduction of even a small amount of water to certain dry chemicals can trigger an explosion.

Crime Exposures
At the contractor’s own location usually consist of office equipment plus tools, material, equipment, and vehicle storage. The contractor may take items to the shop for repair and keep some materials in storage for use at the job site. The overall property exposure is usually fairly insignificant.

Inland Marine Exposures
Center on three areas: owned or rented tools and equipment, building materials due to the installation exposure, and materials in transit to and from the job site. A handyman’s tools and equipment may represent the majority of the physical assets. Since the handyman is not a specialist, a variety of tools is needed and must be available. Tools travel with the contractor and are not normally left at the job site.

Premises Liability Exposures
At the contractor’s shop or office are minor because all work is performed on the client’s premises. Job-site exposures include potential injury to the client or damage to the client’s property. Tools, power cords, building materials and scrap material all pose trip and fall hazards. Use of saws and other power or hand tools may be hazardous to the client and bystanders at the job site. If woodworking is part of the job, the buildup of dust and scrap represent a fire and explosion hazard. Finally, the use of subcontractors and any contractual liability exposures should be examined if the handyman is responsible for finding licensed contractors to handle jobs outside the handyman category.

Completed Operations
Should be fairly minor since handymen usually do not handle or install items where incorrect installation would result in significant damage. It is important for a handyman to work or perform duties within his or her ability. Clear guidelines should be established as to what jobs can and cannot be handled. Contracts with the client should clearly explain the level of expertise available and the type of work to be done.

Automobile Exposures
Normally involve vans and/or pickup trucks that transport employees, tools and equipment to the job site. Since most jobs are small, the driving time may be greater than for most contractors but the vehicle exposure is similar to that of private passenger vehicles. The exposure could increase if the radius of operation is large or if there are any service time guarantees. Poor driver selection and training, and inadequate supervision, present significant risk. Failure to monitor driving records or to ensure that drivers have the appropriate license may also be a concern. Vehicle age, condition, and maintenance are other important items to consider.

Workers Compensation
Hazards vary depending on the size and nature of the job. Injuries due to cutting, sawing and hammering can be severe. The potential injury due to falls from heights must be considered when doing outside maintenance work. Lifting injuries, hernias, strains sprains and back injuries may occur. Minor injuries may be frequent even when the severity exposure is controlled. Employee selection, training and supervision affect loss potential.

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What is the price of Handyman’s insurance?

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Is insurance for Handyman required in Florida?

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post the answer in one business day.

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What other insurance should a Painters consider?

Contractors’ Tool Floater, Employee Dishonesty, General Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Nonownership Auto, Workers Compensation

Can you provide insurance across the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.

  • Jacksonville
  • Miami
  • Tampa
  • St. Petersburg
  • Orlando
  • Hialeah
  • Tallahassee
  • Fort Lauderdale
  • Port St. Lucie
  • Pembroke Pines
  • Cape Coral
  • Hollywood
  • Gainesville
  • Miramar
  • Coral Springs
  • Clearwater
  • Miami Gardens
  • Palm Bay
  • West Palm Beach
  • Pompano Beach