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Uninsured Kentucky Handyman Drivers to Receive Notices

Monday, Jun. 25th 2012 8:33 AM

Handyman — For years, Kentucky motorists have been required to provide proof of insurance to register an automobile, but loopholes in state laws have allowed vehicle owners to immediately turn around and cancel their policy. Although insurers have been electronically submitting monthly coverage reports to the state since 2006, this information has not been used to actively pursue uninsured motorists, until now.

Starting in June 2012, Kentucky law enforcement officers and state officials will have the tools necessary to ensure that all drivers in the state are maintaining continuous coverage. The Bluegrass State will be making changes to its Mandatory Insurance Reporting Program that will allow the State Transportation Cabinet to review policy records to determine which motorists have been continuously insured. Those who are found to be in violation of the law will be issued uninsured notices, and face the possibility of having their vehicle registration automatically canceled.

After receiving a notice, residents will have 30 days to verify that continuous coverage has been maintained, or deal with the consequences. These changes were made in an effort to decrease the number of uninsured drivers in the Bluegrass State. In 2009, an estimated 18 percent of automobiles in KY had no coverage, but by actively pursuing residents who ignore state coverage requirements, local officials hope to significantly decrease this percentage.

If residents receive a notice, they need to prove that they have purchased auto insurance in Kentucky by providing any of the following documents:

  • An insurance card
  • Reinstatement notice if insured with the same company
  • Proof of active military service or provost letter
  • Proof of self-insured coverage
  • Contract including a declaration page
  • Binder or certificate of insurance issued by an agent

Driving without adequate coverage can lead to more than just registration cancellation. If stopped by a law enforcement officer, uninsured motorists could face fines up to $1,000, 90 days in jail, and the suspension of their license plates. Convicted residents might also be labeled as high risk drivers, making it much more difficult to find inexpensive protection in the future.

To avoid the oncoming crackdown on uninsured motorists, residents are encouraged to double-check their status through the KY Department of Insurance or purchase protection as soon as possible. Shopping around online for estimates can help motorists quickly and efficiently compare their options so they can affordably meet Kentucky coverage requirements.

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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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