Builder’s Risk for the handyman in West Virginia is essential for protecting yourself, tools, and clients against possible damages or losses. The coronavirus outbreak has wreaked havoc across the globe and left businesses susceptible to closures. If you are still working, you must take social distancing and other safety measures very seriously. If you are in lockdown, now is the time to prepare your business for the future.
As a handyman during coronavirus, you have several pressing concerns. Personal health, construction supplies shortages, fewer requests for work, and short, mid and longer-term financial security, are amongst some. Despite the challenges, there are measures you can take to help your handyman business thrive after the COVID-19 pandemic. Going forward, do you need other protection over and above Builder’s Risk for the Handyman in West Virginia?
3 Ways To Protect Your Business
Invest in Builder’s Risk for the Handyman in West Virginia
It’s a challenging time for the Handyman during Coronavirus. Your tools are probably your most-prized asset. Tools are expensive to buy and even more expensive to replace. Builder’s Risk coverage will offer compensation in the event your tools are damaged, stolen or vandalized at work. Or in transit on your way to a job-site. This can save you thousands of dollars out of your own pocket that would likely be needed to replace tools if you didn’t have Builder’s Risk.
Another concern for a handyman is construction materials. You may find yourself in a position where a homeowner has postponed work that had been scheduled for their home. You may have already bought supplies. They may be sitting in storage. It is wise to have Builder’s Risk coverage in the event that these materials suffer damage or loss. Without your Builder’s Risk the handyman in West Virginia will have to shoulder the cost of replacing these materials.
Invest in a General Liability Policy
A General Liability Policy is strictly not a requirement by law in West Virginia. However, it is advisable to have this coverage in case a homeowner’s property is damaged in the course of repair work. Handyman Liability Insurance in West Virginia ranges from $450 – $1000 per year for coverage of up to $1,000,000. It will be calculated based on your location, nature and volume of business, among other factors.
Along with Builder’s Risk, this construction insurance coverage will protect you from personal liability if claims are brought against your business by a third party.
Observe West Virginia’s Health and Safety Guidelines
But right now, during the coronavirus, what can you do to protect yourself while you go about your business? Since there are particular handyman repairs that cannot be postponed until the coronavirus has passed or subsided, take the right precautions when going into a home. Inquire if family members have suffered or have been in contact with someone with COVID-19. Wear the appropriate mask and gloves. Carry an alcohol-based hand sanitizer and use it before and after entering the home. Maintain appropriate social distance with other people in the home. Sanitize your tools after use.
Builder’s Risk for the Handyman in West Virginia
The handyman during coronavirus provides much-needed support to the community. Since most people are staying at home in the state, their wellbeing within their dwellings can provide a measure of comfort in these difficult times. Even as you continue to serve your community, you must safeguard your assets and yourself from claims and losses.
At Contractors Liability, we offer cheap Builder’s Risk for the handyman in West Virginia. And we tailor-make your coverage for your individual business needs. For a free, no-obligations quote within the hour call Contractors Liability on 888-676-0923 now.