I’m a handyman. Do I need commercial insurance?

I’m a handyman. Do I need commercial insurance? In Florida, over 10 million properties house 21 million people, with 30% of them being rentals. Maintaining these properties or preparing them regularly presents a solid opportunity for a handyman. With the right skills, experience, and dedication, a handyman can build a successful and rewarding career in this field.
Considering a career in the maintenance business but feeling daunted by the prospect of studying for a license? Here’s the good news-you’re not required to have a permit to work as a handyman in Florida. This freedom can be a huge relief, allowing you to focus on your skills and the work at hand.
Let’s clarify what a handyman does in Florida. A handyman is a versatile professional who handles a wide range of basic and cosmetic maintenance tasks. From minor water leak repairs to assembling furniture, from cleaning roofs to adjusting doors, a handyman’s role is comprehensive and varied, making you a competent and capable professional in your field.
A licensed handyman can perform significant plumbing, electrical, or structural work. This means they can’t tear down walls, repair air conditioning systems, install electrical circuits, or take on maintenance jobs exceeding $2,500 in value.
While you can work as an unlicensed handyman, it’s crucial to have general liability insurance. This protection shields you from third-party claims for injuries or property damage, ensuring you’re secure and protected in your career. Whether it’s a glass shower door that slips and shatters or a heavy tool that damages your client’s property, having insurance can provide peace of mind and safeguard your business.
In short, the maintenance business in Florida offers a great opportunity, but it’s with risks. The solution is to secure commercial insurance tailored to your trade. You can obtain this insurance by contacting a reputable insurance provider, such as Univista Insurance, and discussing your specific needs and the coverage options available to you. I’m a handyman. Do I need commercial insurance?

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