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INSURANCE TOOLS FOR THE HANDYMAN AND SMALL BUSINESS CONTRACTOR

 



Handyman Insurance on First Named Insured

Friday, Aug. 19th 2022 5:15 AM

A contractors insurance policy may have more than one party named as insured. In such cases, the first named insured attends to policy “housekeeping,” i.e., pays premiums, initiates (or receive notice of) cancellation, or calls for interim changes in the contract. This is spelled out in commercial policies in the “common policy conditions.”

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Handyman Insurance What is Fire Legal Liability

Sunday, Aug. 14th 2022 6:13 AM

Public liability policies routinely exclude coverage for damage to property in an insured’s care, custody, or control. This leaves a big gap in a tenant’s coverage, a gap partially filled by an exception in the commercial general liability policy that restores limited coverage for fire damage to the landlord’s building.

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Handyman Insurance on Excess or Surplus Lines

Wednesday, Aug. 10th 2022 5:08 AM

Excess or Surplus Lines market is the range of insurance available through non-admitted insurers, i.e., contractors insurance companies that are not licensed in a particular state or territory. Specific provisions of state or territorial law control placements.

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According to the Surgeon General, tooth decay is the single most common childhood disease.

Friday, Aug. 5th 2022 6:03 AM

According to the office of the Surgeon General, tooth decay is five times more common than asthma and seven times more common than hay fever. Parents should speak to their pediatricians to learn more about how their child’s oral health can affect their overall health. With the help of a dentist, parents can take a few simple steps to introduce healthy oral hygiene habits to their children’s at a young age and help protect their teeth.

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Handyman Insurance – What is Excess Insurance

Tuesday, Aug. 2nd 2022 6:59 AM

Excess Insurance Coverage is applied on top of underlying insurance that is primary, i.e., that pays until its coverage limit is exhausted at which point the excess coverage takes over.

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Handyman Insurance – What is E&O

Friday, Jul. 29th 2022 5:55 AM

Errors and Omissions (E&O) Coverage for liability resulting from errors or omissions in the performance of professional duties. Applicable as a general rule to professional business activities such as banking, accounting, law, insurance and real estate. Contractors insurance brokers are required to carry this type of coverage.

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Handyman Insurance – What is Earned Premium

Monday, Jul. 25th 2022 6:51 AM

Earned Premium is the amount of the premium that as been paid for in advance that has been “earned” by virtue of the fact that time has passed without claim. Company fees and State Tax & Stamp Fees are fully earned at inception.

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Many U.S. parents are clueless about proper pediatric dental care.

Thursday, Jul. 21st 2022 6:48 AM

A study done by MetLife reveals many parents are not following recommended guidelines for brushing, flossing, and other dental care habits for optimal pediatric oral health. The report goes on to state that 23% of surveyed parents, have been told by a dentist or hygienist that their child was at risk for tooth decay. That nearly half (47%) of the parents surveyed have not spoken to their pediatrician about their child’s teeth and that they may not be making the connection between their child’s oral health and their overall health care. According to the study, 42% of respondents report that their child’s teeth or gums are brushed once a day or less, and nearly half, 45%, say their child’s teeth are never flossed.

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Handyman Insurance – What is Cross Liability Coverage

Monday, Jul. 18th 2022 6:45 AM

Cross Liability Coverage is when an event of claim by one insured for which another insured covered by the same policy may be held liable, this endorsement covers the insured against whom the claim is made in the same manner as if separate policies had been issued. However, it does not operate to increase the insurance company’s overall limit of liability.

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Handyman Insurance – Creditable Coverage

Thursday, Jul. 14th 2022 5:03 AM

Creditable coverage is a term which means that benefits provided by other drug plans are at least as good as those provided by the new Medicare Part D program. This may be important to people eligible for Medicare Part D but who do not sign up at their first opportunity because if the other plans provide creditable coverage, plan members can later convert to Medicare Part D without paying higher premiums than those in effect during their open enrollment period.

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Handyman Insurance on What is A Deductible

Monday, Jul. 11th 2022 6:38 AM

A Deductible is the amount of loss that the insured pays before the insurance benefits kicks in.

 

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Handyman Insurance – What is Construction Bond

Thursday, Jul. 7th 2022 6:37 AM

A Construction bond is a bond that guarantees the owner of a building under construction that it will be completed. If the contractor cannot finish the work, the insurer is obligated to see that the work is performed.

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Handyman Insurance – What is Contractual Liability Coverage

Monday, Jul. 4th 2022 6:34 AM

Contractual Liability Coverage is common in construction and other agreements (written or oral) for one party to “assume” the liability of another. This is sometimes referred to as a “hold harmless” agreement. The extent to which one holds another harmless varies from contract to contract, job to job, etc. To assume the liability of another, regardless of extent, is a voluntary undertaking which increases your exposure to loss. A standard Commercial General Liability policy does cover this additional exposure subject to certain exclusions.

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Handyman Insurance – Smokers

Wednesday, Jun. 29th 2022 6:31 AM

Smokers are four times more likely to have poor oral health. Smoking linked to poor oral health. According the report put out by the National Center for Health Statistics, not only are smokers four times more likely as those who have never smoked to have poor oral health status, but they are twice as likely to have had three or more oral health problems.

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Handyman Insurance – What is a Completed Operations Liability Coverage

Saturday, Jun. 25th 2022 6:29 AM

Completed Operations Liability Coverage, is a form of contractors liability insurance provides coverage for bodily injury and property damage rising from completed or abandoned operations, provided the incident occurs away from premises owned or rented by the insured. Operations are deemed completed at the earliest of the following items:

  • When all operations to be performed by or on behalf of the insured under contract have been completed.
  • When all operations to be performed by or on behalf of the insured at the site of the operations have been completed.
  • When the portion of work out of which injury or damage rises has been put to its intended use by a party other than the contractor or sub-contractor.
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Handyman Insurance – What is a Certificate of Insurance

Monday, Jun. 20th 2022 6:20 AM

A written description of contractors insurance in effect as of the date and time of the certificate. The certificate does not ordinarily confer any rights on the holder, i.e., the issuing insurer does not promise to inform the holder of change in or cancellation of coverage.

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Handyman Insurance – Cosmetic Dentistry

Wednesday, Jun. 15th 2022 6:16 AM

Cosmetic Dentistry and how it can help your smile. Having cosmetic dentistry services is not just for celebrities and or the wealthy. With cosmetic dentistry going mainstream, Just about every dentist does at least some cosmetic dentistry procedures. Cosmetic dentistry can help from subtle changes to major oral surgery, there are a host of cosmetic dentistry techniques that can treat teeth that are discolored, chipped, misshapen, or missing. Talk to your dentist to see what is best for you and your dental needs.

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Handyman Insurance – What is Builder’s Risk

Friday, Jun. 10th 2022 10:12 AM

Builder’s Risk indemnifies for a loss of or damage to a building under construction. Insurance is normally written for a specified amount on the building and applies only in the course of construction. Coverage customarily includes fire and extended coverage and vandalism and malicious mischief. Builders risk coverage can be extended to a “special” form as well. The builders risk policy also may include coverage for items in transit to the construction site (up to a certain percentage of value) and items stored at the site.

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Handyman Insurance, on What is A Dividend

Tuesday, Jun. 7th 2022 10:45 AM

A dividend is the return of part of the policy’s premium for a policy issued on a participating basis by either a mutual or stock insurer. A portion of the surplus paid to the stockholders of a corporation.

 

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Handyman Insurance, Broker Agent

Friday, Jun. 3rd 2022 6:17 AM

Broker agent is an independent insurance salesperson who represents particular insurers but also might function as a broker by searching the entire insurance market to place an applicant’s coverage to maximize protection and minimize cost. This person is licensed as an agent and a broker.

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Handyman Insurance – What is Binding Authority

Monday, May. 30th 2022 6:59 AM

Binding Authority is the authority that is extended to a contractors insurance agent by an insurer to provide insurance, usually on a temporary basis, until a policy can be written.

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Handyman Insurance – What is Bid Bond

Thursday, May. 26th 2022 6:56 AM

Guarantees an owner, the “oblige,” that the accepted contractor will actually undertake the work and that the contractor will furnish performance, payment, and, perhaps, maintenance bonds — or that the contractor will pay the owner the difference between the amount of the contractor’s accepted bid and the bid of another contractor who has to be called in to complete the project.

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Handyman Insurance – The Benefits of Professional Teething Whitening.

Saturday, May. 21st 2022 5:53 AM

Although there are many do-it-yourself teeth bleaching kits you can get for whitening your teeth, some of these teeth whitening systems are known to damage your tooth enamel and not provide the whitening you may want to have. There are benefits that professional teeth whitening will have for you. Most professional dentist will guarantees results. In most cases teeth whitening will be done quickly and you will see immediate improvement. If you have any other dental issue a dentist can also address those issues as well.

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Handyman Insurance – What is Co-Insurance

Wednesday, May. 18th 2022 6:00 AM

Co-insurance is an arrangement by which the insured, in consideration of a reduced rate, agrees to carry an amount of insurance equal to a percentage of the total value of the property insured. An example is if you have guaranteed to carry insurance up to 80% or 90% of the value of your building and/or contents, whatever the case may be. If you don’t, the company pays claims only in proportion to the amount of coverage you do carry.

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Handyman Insurance – What is Claim Expense

Sunday, May. 15th 2022 6:47 AM

Claim Expense is the expense of adjusting a claim, such as investigation and attorneys’ fees. It does not include the cost of the claim itself.

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best handyman insurance quotes offering low cost monthly rates Find the Best Insurance

Handyman insurance quotes is available on a state by state basis in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Dist of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming. Find the best Handyman insurance quotes from some of the finest and solid insurance companies who compare liability coverages based upon your own personal choices.
Business insurance quotes Handyman Quotes

Business insurance quotes vary according to the state your business is in so you need to keep this mind when shopping for insurance.
Low Monthly Handyman QuotesLow Monthly Quotes

Your contractors license classification provides the insurance company the amount of risk and claims exposure you may incur as a result of your business.
Online Handyman Quotes

How many years of experience in the licensed classification influences your final business insurance quote.

Handyman Insurance

Insurance might not be the first thing someone thinks about when running a business, but it should be an important consideration.   Handyman insurance is another requirement if you are thinking about starting a handyman business.  This website provides important insurance information on Handyman Insurance Coverage and quotes.

Handyman Insurance Coverage

Handyman insurance includes several types of coverage; each one offers a specific kind of protection for your business.  

(Handyman Insurance ) Commercial Auto: Covers a business's owned, no owned, and hired autos against liability and physical damage losses. 

Handyman Workers Compensation:  If your business as a Handyman employs any staff (including part-time, trainees or sub-contractors), Employers liability insurance cover is a legal requirement.  Employers liability insurance provides protection against your legal liabilities to pay compensation in respect of injury sustained by your employees in the course of your business as a Handyman.  (Handyman Insurance) Workers Compensation: Provides coverage for an employer's responsibility in the event of a work-related injury or illness.   Employers Liability Insurance for handyman work: This type of insurance would cover payment of legal fees and damages in the event that an employee was injured or killed while doing work for you. 

Tradesman Insurance for handymen: This is a package of several different kinds of cover for handymen, making up one policy that meets all your insurance needs.

Public Liability Insurance for handyman work: This type of insurance would cover you if your business activities caused injury or death to a member of the public.

Handyman General Liability - Commercial jobs will require you to have general liability coverage of $1,000,000 to $2,000,000 prior to being hired (not to mention that you protect your assets if something goes wrong on the job).

Products liability insurance for Handymen - Products liability insurance provides protection against your legal liability, compensation costs and expenses following injury or damage by goods that you have sold, supplied, repaired, tested or delivered in connection with your business as a Handyman.  Products Liability insurance for Handymen at 1,000,000 with the option to increase to 2,000,000 up to 5,000,000 or more.  Public Liability insurance cover provides protection against your legal liability for injury to third parties and damage to their property in connection with your business as a Handyman.

Professional Indemnity Insurance for handyman work: This covers you against any mistakes you might make  including bad advice you or your staff might give  that ends up costing your clients money, and leading them to take legal action against you.

(Handyman Insurance ) Umbrella Coverage: A broader form of coverage that extends the limits of liability found in a base policy form. 

Income Protection Insurance - If the essential person should be unable to work for a period of time, this handyman insurance helps to cover the loss of business as a result of the illness or injury.  Having sufficient income protection insurance is also a worth while consideration, if you were to fall off a step ladder or hurt your back and couldnt work, accident, sickness and unemployment insurance could help you to pay for some of your monthly bills in the event of you not being able to work.

The Handyman Insurance Program gives our policyholder comprehensive coverage for their handyman businesses, and the program is designed for Handymen who: Are hired to do a variety of miscellaneous work that would be found in a residential household environment;

Please note that standard home owner's insurance will most likely not cover business assets, and may VOID your home insurance coverage.  If your business is home-based, do you need more liability coverage than your home insurance policy covers. 

The Handyman program gives our policyholder comprehensive coverage for their handyman businesses, and the program is designed for Handymen.

Handyman Insurance Quotes

Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more. Find the best Handyman insurance quotes liability commercial and small Handyman companies offering affordable monthly payment options for your handyman business and the self-employed.  Find the best Handyman insurance quotes from some of the finest and solid insurance companies who compare liability coverages based upon your own personal choices.  Get online quotes for handyman insurance now.  And it can help you save money on your handyman insurance without compromising on the level of cover you need.  The Handyman tradesman insurance policy has been crafted to cover all your Handyman insurance needs at the most competitive price.

 

A reminder this is not an attempt to describe the product coverage and its' contents but merely used as a sales tool for the purpose of product illustration. The website and its' owners cannot make recommendations as to whether any illustrated product may meet the users' particular needs. Therefore, the suitability of the product is the final determination of the user of this website. The use of this website is acceptance of the sites' privacy statement. Coverage is not in effect until an application is signed, transmitted, payment received and approved by the underwriting company unless otherwise specifically stated. A physical and/or background inspection may be done to verify the information provided. The quote(s) will be based up on the underwriting information you supplied and the quote(s) is/are subject to change upon inspection and review by the underwriting company. The underwriting company reserves the right to determine the final coverage, premium and acceptability. Commercial use by others is prohibited by law. No portion of any news or information from this website may be photocopied, faxed, mailed, distributed, transmitted, published, broadcasted, duplicated, or re-distributed in any manner for any purpose without prior written authorization of its' owner.