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Exercise your rights and responsibilities when making home improvements.

Saturday, Nov. 19th 2016 6:53 AM

The Nevada State Contractors Board reminds you to exercise your rights and responsibilities when making home improvements. As a Nevada homeowner, you have the following rights when working with contractors:

Hiring a Contractor:  You have the right to hire only licensed contractors and to check the license through the Nevada State Contractors Board at www.nscb.state.nv.us .You have the right to examine a contractor’s past work and to check references .You have the right to get at least three bids from licensed contractors before hiring a contractor Project Payments .You have the right to make payments as work is completed .

You have the right not to pay cash for home improvement projects .You have the right to withhold a final payment until the work agreed upon in the contract is completed Project Paperwork .You have the right to require that the contract include one project price, which includes all labor and materials .You have the right to negotiate a clear contract that includes a written payment schedule and completion date .You have the right to review the contract and only sign it when you understand the terms .You have the right to require your contractor to obtain a building permit for your project Consumer Responsibilities As a consumer, you have these rights, but you also have the responsibility to properly plan and manage your project and insist on your rights Homeowner’s Rights Checklist Know Your Rights and Responsibilities .Read the Home Improvement Bill of Rights Hiring .Hire only licensed contractors .Ask to see the contractor’s official NSCB pocket card .Get at least three written bids from licensed contractors .

Verify that all bids are for the same scope of work .Check contractor’s status with the Nevada State Contractors Board at ww.nscb.state.nv.us .Ask for references and follow up by inspecting the contractor’s completed work The Contract .Negotiate a clear and complete written contract .Insist on specific written descriptions .Look for: (not all of these items are required)  One price for the work to be done Contractor’s license number and monetary limit Specific descriptions of work to be done and materials to be used Start and completion dates An agreement that the contractor will obtain building permits A payment schedule including the down payment amount A “Notices to Owner” regarding lien laws and the Residential Recovery Fund A notice that the contractor carries commercial general liability insurance and the carrier. .Insist that all changes, additions and deletions to the contract are in writing .Create a job management file and keep the written contract, change orders, payment records and all other documents in it Payments .Pay as work is completed according to the contract schedule .Don’t let payments get ahead of the work .Avoid cash payments Subcontractors and Liens .Make a list of all subcontractors and check their licenses with the NCSB .Get lien releases signed by all subcontractors & material suppliers .Keep a record of all material deliveries, dates & progress of work Nevada State Contractors Board Locations  Southern Nevada: Address: 2310 Corporate Circle, Ste 200 Henderson, NV 89074  Phone: (702) 486-1100  Fax: (702) 486-1190  Northern Nevada: Address: 9670 Gateway Drive, Ste 100 Reno, NV 89521  Phone: (775) 688-1141  Fax: (775) 688-1271  Hours of Operation Monday – Friday 8:00am – 5:00pm

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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.
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Business insurance quotes vary according to the state your business is in so you need to keep this mind when shopping for insurance.
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Your contractors license classification provides the insurance company the amount of risk and claims exposure you may incur as a result of your business.
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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.

 

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