Building contractor(s) verses handyman(s)
What’s the difference?
The Department of Labor and Industry requires licenses for residential building contractors, remodelers, roofers and manufactured home installers. The department requires certain standards of education and professional conduct be maintained to obtain and retain a license.
Licenses are required for all residential building contractors and residential remodelers who contract with a homeowner to construct or improve dwellings by offering more than one special skill. Owners working on their own property must also be licensed if they build or remodel for the sole purpose of speculation or resale.
Liability insurance with limits of at least $300,000 per occurrence, which must include at least $10,000 property damage coverage.
Minnesota workers’ compensation insurance certificate or a written explanation of why the applicant is exempt from workers’ compensation requirements. Applicants who have no employees and have no intention of hiring employees (other than spouse, parent or child) during the next year should attach a written statement with the license application explaining the specific reason they are exempt. If applicant is uncertain whether workers’ compensation insurance is required for your business, contact the Minnesota Department of Labor and Industry at (651) 284-5005.
A handy man needs none of the above unless he and/or she does more than one of these items concrete, frame, side, sheetrock, trim, tile, hardwood flooring, carpeting, painting
If a handy man gets injured at your house he or his insurance company can sue the home owner. Always Protect Yourself.