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

Hey folks, I've been doing handyman work out of north jersey for about 3 years now, mostly small gigs like mounting TVs with my Milwaukee drill or patching sheetrock. Just quoted a client $175 to hang a 55in TV and install a Nest thermostat, but I'm worried about liability if something goes wrong, like the wall mount failing. I pay $2,500 a year for general liability through State Farm, but does that cover me if a client sues over a botched curtain install or light fixture swap? Saw a thread on r/handyman where a guy got dinged for $10k after a shelf collapsed, and someone in Handyman Nation group mentioned adding a rider for tools and installs. Anyone have tips on beefing up coverage without jacking up costs? Appreciate the advice.

Add a clause in your contract holding the client responsible for any pre-existing wall damage before you mount anything.

My State Farm policy covers up to $1M for that, been in the game 15 years no claims.

Document everything with timestamps, saved my ass last year on a faucet job gone wrong.

Haha, had a client blame me for their cat knocking over the TV I mounted. Insurance laughed it off.

What does your policy say about subcontractor work? I had to up mine when I started using helpers.

Screw the big insurers, shop around on independent agents.

For TV mounts, always use toggle bolts on drywall, reduces risk big time.

I include a $500 deductible waiver in every quote, clients sign off or walk.

Big corps are buying up policies, premiums up 20% this year. BS.

Never skip the pre-job walkthrough, caught a weak joist once that could've been disaster.

In my contract, I make em verify the wall can hold the weight first.

Proud to say my zero-claim record keeps rates low, knock on wood.

Same here, 10 years no drama thanks to solid contracts.

Homeowners these days sue over nothing, especially after TikTok lawyer vids.

Get umbrella coverage for an extra $300/yr, peace of mind.

We all hate these rising premiums, feels like robbery.

Fight me, but basic GL ain't enough for electrical add-ons like light fixtures.

Always pull permits if it's over $500, covers your butt legally.

I use a simple one-pager contract from LegalZoom, $50 well spent.

Man, had a claim last month for a curtain rod that bent, client wanted $200 back. Denied it flat.

Clients act entitled, like we guarantee forever.

This crap with lawsuits is killing small ops like us.

Add a hold harmless clause, standard now.

Haha, my lawyer buddy does em for $100, way better than templates.

Frustrated with clients who don't read the fine print.

For Nest installs, specify it's not wired, reduces liability.

Hit 5 years claim-free, insurer gave me a discount.

Sorry man, been there with a shaky shelf job.

Same, knees still hurt from that lawsuit stress.

These insurers treat us like the enemy.

Corporate greed pushing us all under.

We gotta band together against this BS.

Lol, my cat's more insured than my business.

Got burned on a blind hang, client said it was 'defective' after a year.

Use Sherwin-Williams for any paint touch-ups, their warranty helps claims.

My policy with Allstate covers tools too, up to $5k.

Proud of dodging a big one last summer.

Sorry to hear if you're dealing with this.

Big insurance companies screwing independents.

Yeah, premiums doubled in two years.

Document client approvals in writing, always.

Never take verbal okays on big installs.

Had a similar scare with a light fixture.

These clients sue at the drop of a hat.

Fight me on this: Skip insurance, self-insure if you're small.

For $75/hr misc lists, add a liability disclaimer line.

Sorry dude, sounds stressful.

Insurers jacking rates to fund exec bonuses.

Got sued over a toilet replace, total BS.

Weed out risky jobs upfront.

These stories make me paranoid.

Controversial: Handyman label invites lawsuits, rebrand to specialist.

Clients in NJ are litigious AF.

My GL from Hiscox is solid, $1.5M limit.

Proud to have zero payouts in 8 years.

Helped a buddy negotiate down a claim.

Sorry for your potential headache.

Big corps ruining the trade.

Yeah, consolidate and screw the little guy.

For curtain hangs, use heavy-duty brackets, cuts complaints.

Frustrated with vague policy wording.

Always get client initials on risks.

Lol, insurance reps talk like used car salesmen.

In Handyman Nation, they recommend annual reviews.

Proud my setup keeps me claim-free.

These rising costs are killer.

Had a nest install go south, client furious.

Insurers profit off our hard work.

Same rage here.

For sheetrock patches, disclaim future cracks.

NJ clients expect perfection for peanuts.

Sorry man, been burned too.

Proud to say I upped coverage last year.

What rider did you add?

These lawsuits are epidemic.

Haha, my worst was a blind that 'matched' wrong.

Funny how clients forget their part in it.

Watched Tommy Mello vid on contracts, game changer.

Sorry if you're stressing over this.

Big insurance hiking rates unfairly.

What's your current deductible?

Document, document, document.

Clients suing over nothing lately.

Frustrated with the system.

Yeah, it's rigged against us.