Yes, and then you have to book them, be there when they come (possibly taking time off work) and call them when they are late or don’t show. Then you find the counter top scratched and the problem reoccurs 3 days later, except when you look there is a massive goop of some crappy sealant instead of an actual part in there. Do it yourself, it’s quicker, cheaper and you don’t get as angry when it goes wrong.

> it's insurance against permanent hearing damage, breathing fiberglass, etc.

You can buy ear plugs and N95 rated masks for cheaper than paying someone to do the work.

If you somehow manage to develop silicosis from fiberglass whilst trying to fix a toilet, then you are definitely someone who shouldn't be attempting any sort of hands-on repair.

As an independent contractor, if you're charging $50/hour, I question your finances/skills unless you're in a very low cost area and even then it's pretty unbelievable. The risks for household tasks are so rare that they do not come into calculations, it's like worrying about tripping every time you take a step.

Umm... I would assume most accidents happen where you spend most of your time.

If you work in an office, I presume your home is where most of your physically risky activities happen? But even then, changing a toilet, basic plumbing and electrical, paint, drywall, and wood is all pretty safe if you take basic precautions.

Or, Handyman could also drop his toolbox at the right angle and then you just paid $50 for tinnitus.