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Get Affordable Handyman Insurance and Avoid Driving Uninsured

Saturday, Nov. 20th 2010 6:15 AM

Get Affordable Handyman Insurance and Avoid Driving Uninsured: It is estimated that the national average of uninsured motorists is roughly around fourteen percent, which is unfortunate due to the risks that are involved that come with driving without a policy. Many consumers decide to discontinue policies because they believe they may no longer be able to afford to stay insured, but taking the time to shop around may help locate an affordable policy and protect against the huge burdens that can come from an uncovered traffic accident. Although purchasing auto insurance is something that an individual may easily frown upon, there is a reason that states make them mandatory and it is not only to protect others on the road, but also the policyholder.

Individuals may think that affordable car insurance companies may be out of reach because they may have a bad driving record and/or be considered a high risk, or are struggling financially, but it is in a driver’s best interest to stay within the laws of their state to avoid a financial and emotional catastrophe. In some states driving without a policy is taken very seriously and the penalties if caught and convicted and be extremely harsh. Fines can reach more than $1,000 and in many cases this amount could be more than the cost of coverage. Couple that with the chance of causing an accident where injuries and property damage are sustained by a third party and the costs can reach tens or even hundreds of thousands of dollars; it is simply not worth the risk.

Tips to Locating Affordable auto insurance

Consumers should realize that there are a wide variety of insurers available to offer auto insurance policies in any given state and must compare all options before throwing in the towel and deciding to go uninsured. While not recommended, it may be in the best interest of a consumer to obtain the minimum coverage allowed in the state to find the most affordable policy. An effective way to locate an insurer that can offer the most inexpensive rate is to simply shop around. Even if a motorist has to put a few hours aside to get a quote from over twenty companies it is a much better and wiser alternative to getting behind the wheel unprotected by a carrier. It may take time, but will be worth it to avoid hefty fines or an uninsured accident.

One of the best ways to lower premiums is to take advantage of all available discounts and there are numerous ones offered that can save a big chunk of money. The good driver discount is among one of the most common and can yield a savings in the area of 20%. On a policy that would normally cost $1,000 a year, a consumer could save around $200 dollars and in combination with others, savings can be substantial. Certain states even make a particular discount mandatory; according to the Connecticut Department of Motor Vehicles, motorists 60 years and older must be given a 5% rate reduction for completing an accident prevention class for 24 months. Being a diligent shopper and taking advantage of savings where applicable is a great way to find affordable coverage and also help avoid the risks of driving without protection.

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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.
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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 couldn’t 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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