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Archive for the 'Handyman Help' Category

Handyman Insurance – Avoid Incidental Water Damage 

Mar. 27th 2023

When you are replacing a faucet, installing a new washing machine, or unclogging a sink, if you are not careful, you can cause water damage to a client’s home. Before you start working on any project that involves plumbing, here are some helpful tips to keep in mind.

  • Make sure to turn off the water.
  • Check for leaks before leaving the job site when turning the water back on.
  • If you need to cut into drywall, ensure there’s no piping you can hit with a drill or saw.
  • The interior of a home isn’t the only place water damage can occur. It can also happen outside if you’re helping a homeowner with landscaping. If you need to dig in someone’s yard, locate the pipes before starting, so you don’t hit them.
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Handyman Insurance – Reduce Incidental Property Loss 

Mar. 24th 2023

Actions you can take to help reduce your chances of incidental property damage when on the job. 

  • Before you start, perform a visual inspection to identify potential hazards and fragile property.
  • Move or ask the homeowner to move breakable and high-value items out of the way.
  • Cover floors, furniture, and other large items you can’t move with drop cloths to help protect them.
  • Pay attention to your surroundings when you move from one part of the house to another, or carry tools and supplies from your truck into the homeowner’s house.
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Handyman Insurance – Incidental Property Damage

Mar. 21st 2023

Question: Can you provide an example of Incidental Property Damage concerning a handyman? 

  • Example: Say you are installing new shelves in a client’s family room when the hammer slips from your hand, knocking over an antique vase that falls to the floor and shatters. That would be incidental property damage. We all know that accident happens. However, general liability insurance will help you pay for unexpected expenses if you damage someone else’s property.
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Handyman Insurance – Commercial Property Benefits

Mar. 18th 2023

When you have commercial property coverages, it can help you pay for the following:

  • Damaged equipment and inventory
  • Lost income
  • Operating expenses
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Handyman Insurance – Commercial Property

Mar. 16th 2023

For business owners who own or rent physical spaces, commercial property insurance can help protect your handyperson business equipment, inventory, and your building if you own it. If you own real estate where you store equipment, commercial property insurance provides coverage for your handyman equipment while it’s on the premises and for the building itself.

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What is a Claim? – Handyman Insurance

Mar. 13th 2023

A claim is a demand by an individual or a company for compensation or recovery from a loss that falls under the insurance policy. For example, if you get in a car accident on the job, you would file a claim under your Commercial Auto policy.

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Handyman Insurance – Protect Your Gear and Equipment.

Mar. 10th 2023

Tools and equipment coverage ensures your handyman gear is protected wherever you keep it, such as in your vehicle, in a trailer, or at a job site. If you do not own or lease property and regularly take expensive gear to a job site, tools and equipment insurance for handypersons offers protection against damage or theft. This coverage benefit is available as an add-on to our general liability insurance.

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What does it mean to bundle insurance – Handyman Insurance 

Mar. 7th 2023

Bundle: When you bundle your insurance, you buy multiple types of insurance, such as General Liability, Inland Marine, and Commercial Auto, from the same carrier.

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What is Actual Cash Value – Handyman Insurance

Mar. 4th 2023

An amount equivalent to the fair market value of the stolen or damaged property immediately preceding the loss. For real property, this amount can be based on a determination of the property’s fair market value before and after the loss. This amount can be determined by local area private party sales and dealer quotations for comparable vehicles.

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Handyman Insurance – Know your Budget

Mar. 2nd 2023

When you are wanting to higher a handyman you want to be clear about your budget. There are many situations in which it can be awkward to talk about money. Working with a contractor should not be one of them. Do not be shy when it comes to discussing your budget.

Make sure your contractor knows how low your project budget is. You may want to consider giving them an even lower figure than you can actually afford. Never give them a high-end figure for the maximum that you can afford. This can help you stay within budget even if unexpected costs come up during the project.

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Handyman Insurance – Cost Markup on Materials

Feb. 28th 2023

Question: How much should a contractor markup materials?

Reply: Generally between 7.5 and 10%: Markups can vary from one contractor to the next and possibly from one project to the next. But as a general guide, the typical markup on materials will be between 7.5 and 10%. According to Corporate Finance Institute some contractors however will mark up materials as much as 20 percent.

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Handyman Insurance – Do Contractors Overcharge?

Feb. 24th 2023

Although a 10-20% project cost overrun on a job is normal with even ‘good’ contractors, a 50-100% cost overrun on a job is not normal and could be indicative of a dishonest or bad contractor.

Some cost overruns are normal because contractors must make some assumptions upfront about things they cannot see. It is important to do your home work on whom you think you want to higher check reviews and make sure they are license and insured

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Handyman Insurance – How Reasonably Far Off Can an Estimate Be?

Feb. 21st 2023

When receiving a estimate for a job from a Handyman it is reasonable for the final cost to be anywhere from 5% to 20% above the estimate. That is why it is always important to stick to your budget and account for a bit of cushion before you begin any project.

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Handyman Insurance – Should a Handyman Charge for a Quote

Feb. 18th 2023

Whether you choose to charge a client for a cost estimates for a job or not will come with Pros and Cons.

Pros for Charging for Quote/Estimates

  • As a handyman you can spend many hours of your time preparing detailed quotations for a new project. Your time is money and you may want to take that in consideration
  • There is also evidence to suggest that charging for quotes can actually attract buyers. According to the Association of Professional Builders they found that companies that charge for quotes are eight times more likely to win a job than those that do not
  • Charging for a Quote/Estimates will help to avoid people that are just shopping around that really may not have the funds to accually do the work they are wanting to have done.

Cons for Charging for Quote/Estimates

  • Charing for an Estimate can put off protenial clients. With a quick internet search you can find numerous results for handymen that do offer free estimates.
  • If you are trying to build up your business and need the jobs offering free estimates may help to increase the work you could get otherwise.
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Handyman Insurance – Do Handymen Give Cost Estimates?

Feb. 16th 2023

When looking for a handyman for a job, most handymen will offer free quotes or cost estimates and charge an hourly rate for nonstandard jobs. It is suggest you get a least three cost estimates to best shop cost and services. Beyond the estimate it help you get a feel for the person that will be doing the job

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Handyman Insurance – Becoming a Licensed Contractor

Feb. 13th 2023

If you want to be a contractor and have not been licensed within the past five years, you will need to take and pass an exam. The exam will be in the area of construction that you are looking to work in. If you feel that you need a study guide you can purchase online. You can register for the exam over the internet. If you pass the test you can then apply for a license.

You will need to include your test scores, experience and schooling, and any applicable fees. This information will then be reviewed by licensing boards. While you are waiting on this process you will be able to check the status of your application online. Once the application is approved you will be given a license and you will be able to work legally in your area of expertise.

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Handyman Insurance – Can you Hire a Unlicensed Contractor in CA

Feb. 11th 2023

In California, the laws for contractors are very strict. A property owner can get into legal trouble if they hire a contractor that does not have the proper license in California.

If you are a homeowner and work with an unlicensed contractor then you are considering an employer and the working environment for the contractor must be safe. You would need to make sure your home and the project is in compliance with the CA OSHA standards and safety regulations. If an unlicensed contractor is working on the home and they get hurt, the worker may sue the homeowner. This would be a violation of the law. The insurance of the contractor does not cover accidents on the job site if they are unlicensed.

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Handyman Insurance – Can a Handyman Install a Toilet in Florida?

Feb. 8th 2023

For handyman it is important to know that it is illegal in Florida to do any structural or remodeling work without certification and licensing by the Florida Construction Industry Licensing Board.

This includes roof work, demolishing load-bearing walls, additions, and foundation work of any kind. As far as plumbing: Virtually all plumbing work requires licensing. A handyman may add a water filter to a faucet, but even installing a dishwasher is not allowed.

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A Insured Handyman is a More Appealing than an Uninsured One.

Feb. 6th 2023

Even if insurance is not required in the state you are in a savvy customer will ask for proof of insurance before hiring you. By not having insurance you are putting your customers at risk.

If something goes wrong and an accident occurs while you are on the job, they could be the ones on the line. They would either have to pay for the damages themselves, file a lawsuit, or check to see if their homeowners policy will cover the incident.

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Handyman Insurance – Having Insurance is a Good Idea

Feb. 2nd 2023

Even if you feel you do not need insurance as a handyman, it is a good idea as being a handyman involves certain risks and requirements that make a specialized handyman insurance policy essential financial protection, and a insurance broker will consider the specific risks you face based on the types of jobs you take when advising you on which policies will best fix you

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Handyman Insurance – In Florida Do You Need License to be a Handyman

Jan. 31st 2023

In Florida a handyman dose not need to have a license. An unlicensed handyman can do the following: install cabinets, flooring, and above ground swimming pools, paint the interior and exterior of a home, perform basic yard work, and repair drywall. More specialized types of work will require a license

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Do you need insurance to be a handyman in California – Handyman Insurance

Jan. 28th 2023

In California a handyman can not charge more than $500 for a job. If you do charge more then 500.00 per job then you will need to be licensed as a general contractor. California handymen and contractors are not required by law to carry insurance, although the state license board does strongly recommend it. Though if you have any employees you will need to have workers compensation insurance for them.

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Handyman Insurance – Typical Hourly Rates for a Handyman

Jan. 26th 2023

Rates per hour will vary and will depend on the Handyman. However, in general a typical hourly handyman rates are between $60 and $70 for independent workers and around $125 per hour for a handyman who works for a company. In an addition an experienced handyman will know how much time it usually takes to do a particular type of job and will charge accordingly.

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Handyman Insurance – What kind of jobs does a handyman do?

Jan. 23rd 2023

Here are just a few of the jobs a handyman service can accomplish for you. If you are needing work done by a handyman call and talk over your needs to verify all that they are able to do.

  • Leaking Plumbing. There aren’t many things that are more annoying than
  • Leaking plumbing fixtures.
  • Light Fixture Installation.
  • Drywall Repair.
  • Fresh Coat of Paint.
  • Exterior Upgrades.
  • Deck Repairs.
  • HVAC Maintenance.
  • Flooring Improvements.
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Handyman Insurance -Paying a Handyman

Jan. 20th 2023

When you make a choice to have work done by a Handyman you will want to avoid companies that require large deposits or payment in advance. If the job you want done requires a lot of materials, and the company is responsible for buying them, then it is reasonable to put up a deposit against these expenses.

Otherwise arrange to pay for all work only when the job is done. This arrangement gives you leverage to make sure the work is done properly, and it’s another reason why a fixed-price arrangement works in your favor: A set fee means a company can’t charge for additional hours if it must take extra time to correct errors.

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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.
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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.
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.