Handyman liability insurance: am I covered for this odd job?

thimble's 500 a year seem legit or did you shop around for better rates on something like bizinsure?

dont assume that shelf install is minor, my policy wouldnt cover anything over basic patching and i got burned for $1500 on a similar gig last summer.

man, insurance BS like that is why i always triple-check the fine print before takin any odd job, lost a grand myself last summer on a porch repair gone wrong.

damn right, these insurance crooks wouldnt cover my ass for a simple ladder slip last year and left me eatin the $2k med bill outta pocket.

yeah man, those insurance crooks always find a way to screw us on the odd jobs. been burned on a quick fence fix last month, total BS.

proud to say my thimble gl policy has saved my ass on three claims now, all under $2k for scratches and dings from odd jobs like hanging shelves or fixing cabinets. last one was a homeowner blaming me for a dent in their oak floor during a tv mount install, but the before pics cleared it right up and they covered the $800 repair no sweat. i've been running my handyman side gig for 8 years without a single out-of-pocket loss, just by documenting like a hawk. feels good knowing i'm set up solid so i can take on whatever weird fix pops up.

yeah, those scratched floor claims are a total pain but thimble's gl policy usually kicks in for damages up to 1k without much fight. i always snap pics of the area before starting, like the whole room if its a small fix, and label em with the date on my phone. last job, homeowner tried to pin a dent on me but my before shots proved it was there already, saved me a headache. also, double check if your odd job involves any electrical or plumbing tweaks, cuz some policies exclude that and call it unlicensed work. if its just hanging shelves or patching drywall, youre good under most handyman riders. call your agent and ask specifically about third party property claims, theyll tell ya the exclusions quick. i use bizinsure too sometimes for short gigs, and theyve covered minor stuff like that no problem. just dont skip the documentation, its your best defense against bs claims.

dont take that odd job without checkin your policy first, i saw a guy get hit with a $10k claim for a simple shelf install and his insurance weaseled out sayin it was too big a remodel. those bastards will leave you payin out of pocket if it aint clearly covered.

get general liability, its the one thing thatll actually cover you if you ding a customers wall or someone trips on your ladder during that odd job. i pay about $800 a year for mine through thimble and it keeps the insurance assholes off my back for most handyman gigs. skip the workers comp unless you got help, and dont bother with the fancy add-ons til you scale up. just read your policy fine print so you aint surprised when they try to weasel out.

yeah those insurance crooks would rather watch you drown in lawsuits than cover a damn odd job, prolly claimin its 'too weird' for their policy. last time i fixed a squeaky door they asked if i was startin a circus act lol.

yeah insurance companies are total BS, theyll cover a damn thing unless its a huge payout and then they drag their feet leaving us holding the bag on these weird jobs.