Handyman Insurance Covers

Handyman Insurance

When providing the services of a handyman, you will be handling tools and going to places where your life and that of the people you are working with can be at risk. There is also a possibility of damaging the property that is being repaired which could cost your life savings if you do not have the right insurance cover.

Below are the most important insurance covers every handyman should have:

General Liability

This insurance policy will cover your work such that if anything does not go according to what has been planned leading to the damage of the property, the insurance company will compensate the homeowner. For instance, a policy that will cost about $1000 or less will get you a liability policy of $1 million the entire year.

A general liability insurance cover will cater for:

  • Damage to any of the properties you are called upon to repair
  • Work that has been done by subcontractors
  • Work that has been left incomplete and you had promised to complete it
  • Medical bills in case someone gets an accident around your workstation which is your fault.
  • Injury that may result from advertising

Workers Compensation

This insurance cover will cater for the medical bills that may arise when one of your employees gets into an accident when working. This will be very important for you as well as you will also be covered in the event that you get an injury when working. The premiums can be as low as $500 each year or $5, 000 annually which will depend on how risky your job is and on the number of employees you want to be covered.

This policy will cater for:

  • All medical bills to a maximum of $1 million for each claim.
  • Compensation of the time spent in a medical facility
  • Purchase of the medications required for your recovery
  • Any specialized treatment such as a rehab
  • Payment of missed wages for the entire time the employee will be recovering.

If you have a vehicle that you use as you provide handyman services, you will also need to have it insured. The amount charged will depend on the number of vehicles you will be insuring, the items that are transported by the vehicles, and also the history of the drivers that have been contracted to drive them.

You can also get equipment insurance so that in case any of the expensive tools get damaged accidentally or is stolen; the insurance company will replace it. The ordinary wear and tear will not be covered by this insurance policy. In case the risk insured happens, the insurance company will replace the exact model of the machine that has been damaged or stolen which will also include a deductible of $500.

Handyman Insurance

Choose the right insurance company that will provide compensation as soon as the risk insured happens and not one that will take years before the compensation is processed. You can ask for recommendations from the people who have take insurance covers similar to the one you wish to take so that you can make an informed decision.

How to Construct a Simple Deck

Having a deck in the backyard is every home owner’s dream as it creates that outdoor comfort and sophistication. However, the high cost of constructing a deck is a huge put-off especially for a homeowner with a minimal budget. This should not be the case as there is an easy way you can construct your own classy deck.

Below is a simple procedure to follow when constructing your own deck even when you lack professional carpentry skills:

Materials needed

  • 2*6 beams that are pressure-treated
  • Deck piers made of concrete
  • Measuring tape
  • Miter saw
  • Pebbles
  • Herbs barrier
  • 2*4 inches framing wood
  • Wood planner that could be rented
  • Paint roller
  • Water seal
  • Deck screws for outdoor use
  • Tile spacers
  • Jig saw
  • A sealer for use in weatherproofing
  • Paint edger

Once you have the materials ready follow these simple procedures:

Step 1: Make the deck plan

For a low-level deck, you will need to take the 2*6 treated beams that will be 24 inches apart. These will be supported by the concrete decks which should be placed 8 feet apart.

Step 2: Deck footings placement

To lower the cost of construction, you can construct a deck that will not need stairs. Dig down the cement-made deck piers as close to the house as possible and ensure that the distance between them is perfect. Make sure that the piers are on the same level by doing working on one deck before going to the other. Pebbles can be placed at the base of the piers to reduce sliding.

Before burying the piers, check to ensure that they are all on the same level. The slots in which the wood will be placed should not be too low so that the wood will not touch the ground.

Deck footing image

Step 3: Lay down the support beams on the deck piers:

Work on one beam before going to the other just in case the distance between the piers varies. If the wood is not large enough to cover the distance between the piers, you can use two joints to help cover the distance.

Step 4: Bury the deck piers:

Before doing this, use a herbicide to kill every weed or grass that may be growing on the ground you are constructing the deck. This will prevent weeds from penetrating through the finished deck. After the spray, you can bury the deck piers.

Step 5: Get the deck wood ready:

If you can get the Douglas fir wood, it would be the best option as it is cheap and very strong.  Make sure that the wood has a similar height and make the rough surfaces smooth. Smoothening will only be needed for the top surface which will be visible.

Step 6: make the lower side of the deck wood waterproof:

This can be done by applying a water seal as well as a paint roller on the wood. By doing this, it will ensure that the wood will not rot or decompose in the near future. The top side of the deck wood will not be waterproofed as it will be sealed.

Step 7: Put the decking planks in place:

Though it may consume a lot of time, the process is not complicated. You may need some help in holding the beam so that you can put the screws in place. ¼ inches tile spacers can be placed between the boards and two screws added to each joist.

Decking planks in place

Step 8: Put end-caps in place:

These are simple woods 1*6 inches that are placed on the ends of the deck which gives a finished appearance.

A simple end-cap

Step 9: Prepare to stain the top surface of the deck:

This is a process of ensuring that no screw is protruding as these may cause accidents as people walk on the deck. Place sand on the end-caps to make the corners smooth; the screws too could be covered with a little sand to avoid any splinters that may accidentally appear.

Step 10: Seal the deck:

This may be done by use of a weatherproofing seal which is available in a variety of colors. Before adding a coat on top of the other, ensure that the previous one is dry. Do not place anything on the deck before it is completely dry


Step 11: Decorate the deck:

This is a personalized process and you can place anything that appeals to you including outdoor lights, plant, furniture, overhanging umbrella or even a grill.

Photo of a complete deck

Your deck is complete and ready for use!





How to Professionally Clean a Bathroom

When providing a professional cleaning service, the bathroom is one of the areas that should be handled with a lot of caution. You may be perfect in cleaning every other room but if you are not able to thoroughly clean the bathroom, the client will not see the effort that you had put in the cleaning of the rest of the house.

Here is a guide on how you can ensure no dirt is left in the bathroom when providing cleaning services:

  • Dusting off: Before any cleaning takes place, you should ensure that the floor is free from all dust and hair. Ensure that you have worked on all shelves, lighting fixtures, freestanding tubs, washing machines, and every other surface that has the ability to hold dirt and dust in the bathroom.
  • Heat up the bathroom: This can be done using hot water to heat up the surfaces that will be cleaned like the tiles, and the bathtub. Doing this will make the alkaline cleansers more effective by weakening any stains that may be holding onto the bathroom surface. You can add an all-purpose cleaner in the hot water for a better effect.
  • Spray: after ensuring that the bathtub is free from any water, you will spray an antibacterial cleaner on the shower heads, tub, tile walls, Toilet bowls, bathtub, and every other surface that is in the bathroom.
  • Spread the antibacterial cleaner: You will then pick a sponge and use it to spread the antibacterial cleaner evenly over every surface in the bathroom. This will ensure that every surface in the bathroom will be effectively cleaned. You should avoid spraying heavily in a single area and then wipe it off as this will not ensure that the cleaner gets onto every surface in the bathroom.
  • Allow the antibacterial cleaner to rest for a while: Do not wipe off the antibacterial cleaner immediately after spraying it. Let it rest for about seven minutes before you can scrub it off the surface.
  • Scrub: You will then scrub the surface by use of a toilet brush or a scrubbing pad ensuring that no surface it left untouched.
  • Rinse off: After you have scrubbed every surface in the bathroom, you will then rinse the bathroom so that you can get rid of every chemical smell. Leaving a cleaning solution on the surface of the bathroom will only get the bathroom dirty since it will attract dirt particles.
  • Dry the bathroom: Drain off all water on the surface of the bathroom using a towel or a cotton cloth. You should use a separate towel for each surface so that you will not end up spreading the bacteria in the toilet on the bathtub or other surfaces.

The proper cleaning of the bathroom should start from top moving downwards so that you can be assured that no surface is left untouched. You should also use the right cleansing ingredients for effective cleaning service. Using cheap cleansers that do not have any cleansing ability will only make your job more difficult and some of the stubborn stains may not get off the bathroom surface.

How Massage Can Prevent Injury

In most circumstances, people turn to massage therapists after an injury so that they can get help in the recovery process. What many of these people do not know is that a massage is actually a preventive measure against injuries. Below are some of the ways that proves how effective a massage is in the prevention of injury:

  • Reduction of muscle pain: When a massage is carried out on a muscle that is going through a lot of pain, it helps in taking the pain away. The relief from pain will prevent any further injury either to the muscles or to the surrounding muscles. If you undertook a physical activity without taking care of the pain, the surrounding muscles would easily be injured as well while trying to protect the already sore muscle.
  • Increased flow of blood: Massage helps in enhancing the flow of blood to all parts of the body. The blood that is flowing in different parts of the body contains nutrients that will help in preventing any part of the body from getting injured.
  • Increased flexibility: Massage will help in making the muscles more flexible since the massage will help in relaxing them. The increase in flexibility will help in preventing the muscles from getting injured during a rigorous physical activity.
  • Increased mental acuity: A person who is more relaxed as a result of a massage will be more conscious of what is happening. He will be more alert and will be in a position to avoid any move or an activity that would lead to an injury. He will also be more alert and will be able to know which of his joints are weaker at any point and avoid putting too much pressure on them.
  • Taking care of problem areas: A massage will help in the recovery of a part of the body that has been injured. It will help you in knowing that parts that still needs handling with caution so that no further injury occurs.
  • Makes one feel better: A massage will help in calming down your emotions and this will have a positive impact on your physical self. If you undertake an activity when you are agitated, the muscles will be tensed and this may lead to injury. Massage will calm your emotions and as a result, the physical body will dance in the same tune which will keep you safe from injuries.

Having a massage is the best way to help in calming you down and making your physical body more alert which will prevent any injury from happening. A relaxed body will also recover from injuries faster and will be more alert in the prevention of further injuries.

This type of massage that has healing properties can only be offered by a professional massage therapist in a spa. Do not go for a massage from an unqualified person who does not know the parts of the proper way of massaging just because you want to save some bucks. Your health is more important and this is why you should look for the best when it comes to massage.

For more information check out our office page : https://www.spa-clearfield-eyelash.com/