Everything that you need to know about Liability and Insurance.

Liability and Insurance: Safety is a priority, especially for the self-employed handyman. If you are hurt on the job, it can mean big financial losses, loss of customers, and even the loss of your business. Therefore, for handymen, it is important to have a safety plan and take measures to prevent accidents and injuries.

The best way to prevent injuries is by using the proper protective equipment, such as gloves and goggles. But your comprehensive safety plan should include more than just PPE. You need to protect your livelihood and business against risk, and you need to know what will happen if you get hurt.

Safety First Mindset

As a handyman, you will probably be doing a lot of different types of work, some of it more dangerous than others. Getting on a roof, working with electricity, and doing demolition are just some of the hazardous activities you could be doing.

Many of the activities put your most important body parts at genuine risk. Other activities could have long-term effects, like hearing loss and back problems. Part of developing an overall safety plan is making sure you use personal protective equipment (PPE) when you are supposed to.

Liability and Insurance

Protecting yourself from liability and carrying Liability and Insurance that covers bodily injury and medical payments if someone does get hurt is not just important for your business, but it’s also important for your financial wellbeing and your peace of mind.

Tailored Insurance

It’s smart to invest in a policy customized for your handyman business because of the variety of work you do. The cost for your tailored insurance can be less than you might think, and many policies even make it simple to file claims online.

Save on Insurance

If you want to save even more, some insurance policies will reduce your premiums if you have a safety program in place. Insurance companies view construction and contracting businesses as high risk, and promoting safety is good business for everyone.

Documented Safety Programs

Documenting and planning for safety is actually a very good way to stay safe, and it can even help in other ways that you might not expect.

Recruit employees

People like to be safe on the job. If you are hiring, you want to recruit the best. Having a documented safety program makes people more comfortable knowing that they will be protected from injury and even covered under your insurance policy.

Reduce Claims

The biggest reason for having a safety program is that they work! If you have a safety plan in place and follow your safety program, you will have fewer claims, and they will cost you less.

Less Time Lost to Injuries

Time lost to injuries costs you money, whether it is your injury or your employee’s injury. Lost time directly translates to profit losses.

Your Customers Will Notice

If you are unsafe, you are leaving yourself open to injury, but you are also open to a customer complaint. Customer complaints cost you business and take time to deal with. When you are safe, people see you as a reliable professional.

PPE That Every Handyman Needs

Personal protective equipment (PPE) is clothing and equipment that people wear when they work that protects them from all types of hazards on the job site. Exposure to chemical, biological or physical hazards are all reasons to wear PPE and any of these could be encountered by the handyman on a job site.

There are four basic types of PPE:

  •         Face and eye protection—such as safety goggles, welding masks, and face shields.
  •         Respiratory protection—including dust masks, respirators, and gas masks.
  •         Skin and body protection—this consists of suits, vests, boots, gloves, and even fall harnesses.
  •         Hearing protection—namely earplugs and earmuffs.

If you are a handyman, you will be using some of these items more than others. Some places sell ready-to-go handymen PPE kits, but you can put one together yourself with items that every successful handyman should have, like gloves, eyewear, footwear, knee pads, hardhats, and masks.

When you develop a safety plan, be sure to include proper attire in your program. It is important to dress properly for your job. You should have long pants and proper footwear, and some jobs even call for long sleeves. Again, customers will notice, and you will appear more professional if you are properly attired.

Working Alone Safely

Liability and Insurance: A lot of handymen work alone, but if you are working on a particularly risky project, make sure you have someone with you. If you are working with hazardous materials or working at any height, it is best to have a partner.

Make Safety a Priority

Liability and Insurance: Safety is important. Protecting your body, your business, your employees, and your livelihood with a complete plan that addresses all aspects of safety concerns regarding your work will make you a more successful handyman.