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.
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.
