Potentially either. To know which is right for you requires a basic understanding of the different types of contractor:
General Contractors and Tradespeople
While beyond the scope of this comparison, I’ll begin by defining GCs and Trade Contractors, as the title “contractor” can confuse things when used generically.
A large scale renovation requiring specialists in multiple trades would begin with a GC, or general contractor. He or she is the project manager, but will sometimes lend a hand when needed. Some homeowners will serve as the GC of their own project; this is permitted, and does not require a license.
Trade contractors are are trained and licensed in specific areas of construction, highly skilled in their specialty. They can be either self-employed, or W2 contractors hired by a GC. They. The vocational training and apprenticeship required to be licensed in the state of Connecticut permits them to perform tasks not legally doable by anyone else. Wiring your addition requires a licensed Electrician, A Carpenter will frame the structure, etc.
The Home Improvement Contractor
Now a Home Improvement Contractor is a licensed, self-employed person who can handle all manner of home improvement tasks. I fall into this category (see my Services Page for an idea of what a Home Improvement Contractor can do). My HIC license ensures I’m conducting business in a manner that meets state guidelines, and like other contractor types, my license can be revoked should the CT Department of Consumer Protection receive complaints.
The bulk of the HIC licensing fee goes into a fund that provides financial relief for a customer who has been “ripped off” by an unscrupulous service provider. In addition, the HIC must carry liability insurance to maintain the license. So when you hire a Home Improvement Contractor, you can rest assured that your provider has been vetted, and that you are protected should things go sideways.
Or are you? It’s important to understand that the minimum required insurance is only $20k. I rarely find myself working on a home valued at less than $600k. Is it possible that a contractor’s negligence could result in damages in excess of this minimum? You betcha. I’m not trying to scare anyone, it’s just reality. I personally carry $2M in coverage. You can download a copy of my policy via the link at the bottom of every electronic estimate I issue. I will also provide the link, or a paper copy upon request. Know how much insurance your contractor carries prior to signing. This information is your right, and no honest contractor will be offended if asked.
The Handyman
Now a Handyperson can offer much the same in the way of services as the HIC. They may or may not be licensed and insured. A legitimate handyman or woman often does possess an HIC license, regardless of their business structure or size. A key reason for this is that Connecticut requires all jobs costing more than $200 to be performed by a licensed individual. Personally, I don’t want to limit myself to jobs under this amount. Therefore I am licensed. So request proof of insurance from any Handyman you are considering. Proof of license isn’t enough.
So which is best?
In summation, a Handyman or woman is a fine choice for any job you may have that doesn’t require a trade license. So long as you’re protected. If you’re simply hiring someone (maybe a neighbor kid) to, say, rake the lawn or clean the gutters, the risk to your home will be minimal. But you may be liable should they injure themselves in the course of the work. Be sure to find out if your homeowner’s insurance will cover their expenses should an injury occur. Things do happen.
I wish you the best in your home improvement endeavor.
–Wilson