Hiring a Handyman vs. a Contractor

• Handymen are often advertised on Craigslist, Facebook, or community bulletin boards.
• Key differences between a handyman and a contractor include licensing and the type of work performed.
• Certain tasks, like plumbing, electrical work, and framing, may legally require a licensed contractor.
• The Importance of Workers’ Compensation Insurance
  • If a handyman gets injured on your property, your homeowners insurance might not cover it.
  • Some states consider uninsured handymen as employees, making homeowners liable for injury claims.
  • Handymen should have insurance to protect themselves and provide proof of coverage to clients.
• Competitive Advantage for Insured Handymen
  • Clients often choose lower bids, but they may pay more in the long run if an uninsured worker gets injured.
  • Having workers' comp coverage demonstrates professionalism and protects both the handyman and the client.
  • Injury claims can be costly, and clients prefer working with insured professionals.
• Challenges in Getting Handyman Insurance
  • Many insurance carriers avoid writing workers’ comp policies for handymen.
  • New handyman businesses may struggle to obtain coverage.
  • Some states require handymen to go through an assigned risk pool for coverage.
• Advice for Handymen and Contractors
  • Start the insurance application process early, as it can be complex.
  • Work with a knowledgeable insurance agent to explore available options.
  • Without insurance, securing jobs can be difficult as many clients require proof of coverage.
• Advice for Consumers Hiring a Handyman
  • Always ask for proof of insurance, including general liability and workers' compensation.
  • Understand your potential liability if an uninsured worker is injured on your property.
• Key Takeaway
  • Whether you're a handyman, contractor, or homeowner, insurance is more than just a document—it provides financial protection and peace of mind.

Would you like any refinements?