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Handyman Consumer Info About Massachusetts Car Insurance

Monday, Nov. 1st 2010 6:47 AM

Massachusetts’ law requires that every vehicle operating on the roadways must be insured and currently the state follows the No-Fault system. This means that a policyholder will have compensation in place for injuries suffered as a result of a traffic accident regardless of which party is found to have caused the incident; compensation will be given up to the amount of coverage purchased and stated  under the Personal Injury Protection (PIP) portion of the car insurance policy.

The state requires that motorists who choose to purchase policies must do so with several different types of coverage to satisfy the state’s requirements. According to Massachusetts auto insurance laws, policies must consist of liability limits in the amount of $20,000 for bodily injury to one person, $40,000 for bodily injuries to two or more people, and $5,000 for property damage. A policy must also include Personal Injury Protection (PIP) in the amount of $8,000 and Uninsured Motorist Coverage for bodily injury with limits of $20,000 per person and $40,000 per accident or equal to the liability limits. Higher levels of protection may be purchased and coverage for damage to the insured’s vehicle would have to be added on to a policy for an additional premium.

Additional Info About MA auto insurance

Residents of the Bay State should be aware that the Office of Consumer Affairs and Business Regulation (OCABR) goes through great lengths to protect citizens in the market for car insurance. As of April, 2008, insurers have been able to determine rates under managed competition; prior to that, the Commissioner of Insurance would set premiums under the “fix and established system.” Although companies can now set rates based on risk, there are many regulation that must be followed to help protect the rights of consumers to ensure that a motorist has the best chance of finding the most affordable policy possible.

According to the Massachusetts Consumer Bill of Rights for Automobile Insurance it states that all residents have the right to purchase auto coverage and shop around until the best products and price are found. In addition, the state also mandates that individuals cannot be denied a policy because of credit history or any unfair discriminatory reason which includes, race, gender, creed, national origin, marital status, religion, age, income, education, garaging address, occupation or homeownership. If a consumer is denied coverage, the insurer must given reasons why such action was taken. Individuals are heavily protected by the state and if a motorist cannot find a policy on the open market they should contact the local government for assistance.

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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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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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