I am not a handyman, with that in mind, as a General Contractor, my primary job is to manage personnel from different trades... Plumbers, electricians...HVAC, etc... They all have to be licensed and we share the profit and the burden, that's the nature of the business... You won't make money if you don't risk, you just need to measure the risks and pick and choose your fights... Liability is part of the business my friend... Turner... Clark... big companies, don't you think they take a risk? I have a handyman guy that works for me from time to time to do punch list... etc... He is a good man, but he is sooo afraid of taking risks that he told me he rather be a handyman than to take risks... In my opinion he limits himself by hiding from world and the consequences of that is that he limits himself and his annual income because he does think small. Liability is part of construction business!