Читать книгу Start & Run a Handyman Business - Sarah White - Страница 15

As a handyman you need additional insurance to your standard homeowner insurance. It is important to talk to a professional about your needs. If you start a business from your home without the proper insurance, you take the chance that it will void your existing coverage.

As an employer, you must also consider worker’s compensation insurance. All the states in the us and all the provinces in Canada have specific requirements for providing insurance for injured workers. As an independent operator, you can also arrange worker’s compensation for yourself. Check with your local government offices for specific advice on registering for worker’s compensation and how to manage insurance claims.

Here are a few items you should discuss with an insurance professional:

• Insurance for your work vehicle with special consideration of a replacement vehicle should yours be unusable for a time

• Adequate insurance for your tools and other supplies in case of damage, theft, etc.

• Liability insurance to offset the cost of any damages caused by your business

• Disability insurance if you are injured and can no longer work

Take care of your insurance needs and review them periodically. Once you have your insurance plan in place, you can relax and get on with your real job as a handyman.