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Understanding General Liability Insurance: Key Features and Benefits for Your Business

May. 14th 2024

General liability insurance is not just a form of protection; it’s a necessity for handymen. This type of insurance provides financial coverage in case someone who is not an employee gets injured, or you are held responsible for damaging property that belongs to someone else. In many states, obtaining a handyman license is often required. Most clients also ask for proof of coverage before hiring a handyperson, making it a crucial part of your business. 

It’s worth noting that general liability insurance for handymen is more than just financial coverage. It includes a vital form of protection called contractors’ E&O or professional liability coverage. This type of coverage can be a lifesaver in a business disagreement, providing legal defense costs if you are sued by a client who believes your work caused them financial loss. 

In conclusion, if you are a handyman, general liability insurance is not just a licensing requirement but a shield providing peace of mind. It’s your safety net, ensuring your business is protected in case of unexpected events and offering reassurance to both you and your clients.

A general liability insurance policy typically covers the following key features.

If you own a business, you must protect yourself from potential legal claims arising from accidents, injuries, or damages caused by your operations. One way to do this is by obtaining a general liability insurance policy. Such policies typically cover a range of key features that can help safeguard your business from unforeseen financial losses. In this article, we’ll explore the main features of a general liability insurance policy and why they are essential for your business.

1. Bodily Injury: Bodily injury is a crucial aspect of any business’s insurance policy, and it is essential to understand the implications of this coverage. In simple terms, it covers the costs incurred by your company in the event of injury or death of a third party due to your business operations. 

This coverage is essential for businesses that involve physical activities, such as construction, transportation, or manufacturing. Injuries or accidents can happen at any time, and the associated costs can be significant, including medical expenses, loss of income, and potential legal fees.

Having adequate bodily injury coverage can provide business owners peace of mind and help protect their assets. It ensures that if an incident does occur, your business will be able to cover the expenses related to the injury or death of the third party.

It’s crucial to note that a broader liability insurance policy typically includes bodily injury coverage. We recommend that business owners consult with their insurance providers to determine the appropriate level of coverage for their specific business needs.

Overall, having adequate bodily injury coverage is crucial for any business that involves activities that could potentially result in injury or death to third parties. It’s essential to protect your business and ensure you can continue operating confidently.

2. Property Damage: Property Damage insurance is essential coverage that helps protect your business from financial losses resulting from damage caused to third-party property during your business operations. This insurance covers the costs associated with repairing or replacing the property that your business has damaged and any legal fees that may arise from the incident. 

Without property damage insurance, your business would be responsible for paying for any damages out of pocket, which can be financially devastating, especially if the damages are extensive. Property damage insurance provides peace of mind, knowing that you are protected in the event of an unforeseen accident.

It is important to note that property damage insurance only covers damage caused by your business operations to third-party property. It does not cover any damages to your property or equipment. Additionally, reviewing the policy to understand the limitations, exclusions, and deductibles associated with the coverage is essential.

Overall, property damage insurance is crucial for any business that wants to protect itself from unforeseen financial losses resulting from damage to third-party property.

3. Products Liability: Products Liability is insurance coverage that protects businesses from the financial consequences of legal actions resulting from injury or damage caused by their products to third parties. This type of policy helps cover the costs associated with bodily injury, property damage, and other related expenses resulting from using a product that your business has produced or sold.

In today’s world, where product quality and safety are paramount, businesses cannot afford to ignore the risks associated with product liability. Even if your organization has taken all necessary precautions and implemented stringent quality control measures, there is always a chance that a product defect or malfunction could occur unexpectedly, leading to severe injuries or property damage to third parties.

In such cases, the cost of legal fees, compensation, and damages can quickly escalate, putting your business at risk of financial ruin. Product liability insurance plays a crucial role in providing you with the peace of mind that arises from knowing that you are financially protected in the event of a lawsuit.

In summary, product liability insurance is crucial to any business’s risk management strategy. It offers protection against the unexpected costs associated with product-related injuries or property damage, enabling companies to focus on what they do best – producing quality products and services.

4. Completed Operations: Completed Operations coverage is an essential part of a general liability insurance policy, and it is crucial to understand its implications. This coverage protects businesses from financial losses from injury or damage caused to a third party by a service they have completed. 

For example, suppose you are a contractor who has recently completed a project to build a house. In that case, completed operations coverage would protect you from financial losses if an incident occurs after you have completed the project. If, for instance, a third party claims that they have been injured due to the faulty construction of the house, and the court orders you to pay damages, your completed operations coverage would pay for the damages.

It is important to note that completed operations coverage only applies to work that has been completed and not to any ongoing projects. Additionally, the coverage period can vary depending on the policy and the insurer, so it is crucial to review the policy carefully to understand the limitations, exclusions, and deductibles associated with the coverage.

Having adequate completed operations coverage is crucial for any business that provides services to third parties. Protecting against unforeseen financial losses from completed projects ensures that your business is safeguarded. Without this coverage, your company may be held responsible for any damages that may occur after completing a project, leaving you with significant financial burden.

In conclusion, completed operations coverage is an essential part of a general liability insurance policy, and it is crucial to have adequate coverage to protect your business from financial losses. It protects your business from unforeseen events after completing a project. Business owners should consult with their insurance providers to determine the appropriate level of coverage for their specific business needs.

5. Personal and Advertising Injury: Personal and Advertising Injury is one of the most critical components of a comprehensive insurance policy. This coverage protects individuals and businesses from the financial costs associated with claims of slander, libel, or copyright infringement. 

Slander and libel claims can arise when someone makes false statements about another person or business that harm their reputation. These types of claims can be costly to defend against, especially if they go to trial. Personal and Advertising Injury coverage can help pay for legal fees, settlements, and judgments associated with these claims.

Copyright infringement claims can also be expensive to defend against. If someone uses copyrighted material without permission, the owner can sue them for damages. Personal and Advertising Injury coverage can assist in covering the expenses related to defending against these allegations and paying any settlements or judgments awarded.

It’s important to note that Personal and Advertising Injury coverage is typically included in a general liability insurance policy. However, it’s essential to review your policy’s specific terms and coverage limits to ensure that you have adequate protection for any potential claims that may arise.

6. Medical Payments: A business owner can purchase Medical Payments as a type of coverage included in their insurance policy. This coverage is designed to protect businesses if a third party is injured on their premises or due to their business operations. The coverage will pay for medical expenses incurred by the third party up to the policy’s limit. 

This type of coverage can provide peace of mind to business owners, as medical costs can quickly add up and be a financial burden to the injured party and the business. It is important to note that medical payment coverage does not cover the medical expenses of the business owner or their employees. 

Suppose your business operates in an industry with a higher risk of injury to third parties, such as construction or manufacturing. In that case, consider purchasing medical payment coverage. Additionally, if your business frequently has visitors or customers on the premises, this coverage can help protect against potential lawsuits and claims. 

It is essential to review your policy and ensure that you have adequate medical payment coverage for your business needs. As with any insurance policy, it is always better to have coverage and not need it than to need coverage and not have it.

Tips for Business Owners: How to Ensure Adequate General Liability Insurance Coverage

As a business owner, it’s crucial to have adequate general liability insurance coverage to protect your business against unexpected events. However, the coverage and limits of a general liability policy can vary significantly depending on the insurer and policy terms. Therefore, it’s always wise to review the policy carefully and consult with an insurance professional to ensure that you have the appropriate level of coverage for your business needs.

An insurance professional can help you understand the nuances of your policy, including the types of claims that are covered, the limits of the policy, and any exclusions. They can also advise you on mitigating risk in your business, which can help you secure lower insurance premiums.

Moreover, it’s essential to remember that businesses have unique needs when it comes to liability insurance coverage. For instance, a small business may require a different level of coverage than a large corporation due to differences in the scope of their operations. Therefore, it’s crucial to assess your business’s specific risks and work with an insurance professional to determine the appropriate level of coverage for your business needs. By doing so, you can protect your business, employees, customers, and assets against unexpected events, giving you peace of mind and ensuring the smooth operation of your business.

Handyman Insurance: Protect Your Business from Unexpected Events

Handyman insurance is a crucial component of running a successful handyperson business. At handymaninsurance.com, we understand the importance of having the right coverage to protect your business from unexpected events. We offer various insurance options designed explicitly for handymen, including general liability insurance, professional liability coverage, and more.

Running a handyperson business can be risky, but having the right insurance coverage can help mitigate those risks and provide peace of mind. From bodily injury to property damage to product liability, our policies cover a range of critical features that can help safeguard your business from unforeseen financial losses. Don’t let unexpected events derail your business.  

Posted by Handy man Insurance | in Dental Insurance, General Insurance, General Liability, Handyman Help, Handyman Insurance | Comments Off on Understanding General Liability Insurance: Key Features and Benefits for Your Business

Workers Compensation, Handyman Insurance – Handyman Insurance

Apr. 21st 2024

Workers’ compensation insurance covers workers injured on the job, whether on the workplace premises, elsewhere, or in auto accidents while on business. Insurance quotes vary according to your business and state, so you must remember this when shopping for insurance. Companies must buy workers’ compensation insurance in almost every state to protect employers from lawsuits resulting from workplace accidents and provide medical care and compensation for lost income to employees hurt in workplace accidents.

Small businesses with fewer than three to five employees may not be required to carry workers’ compensation insurance in some states. However, even if family members are excluded, they are still counted towards the number of employees to determine if you are required by law to carry workers’ compensation insurance. We have many workers’ compensation insurance and general liability carriers to help your business. Employers failing to comply with these laws may be subject to penalties by the state and, in addition, may lose protections afforded them by workers’ compensation insurance and the state’s laws.

Posted by Handy man Insurance | in Handyman Help | Comments Off on Workers Compensation, Handyman Insurance – Handyman Insurance

Handyman Insurance, Why Have Handyman Insurance

Apr. 18th 2024

You should know that you are exposed to many types of risks as a jack-of-all-trades. Handyman insurance can help shield you from injuries or property damage that could result in devastating lawsuits and penalties.

As a handyman, you are skilled in various tasks, such as plumbing, electrical work, painting, carpentry, and more. While these skills are in high demand, working in different environments and with various tools can expose you to many risks. You never know when an accident might occur; if it does, it could lead to injuries or property damage.

For example, you could accidentally damage a client’s property while working on a project, leading to costly repairs. Worse still, you could end up injuring yourself or someone else while using heavy equipment or tools. Such incidents could result in expensive lawsuits and legal penalties, putting you out of business.

That’s why it’s crucial to protect yourself with handyman insurance. With the appropriate insurance coverage, you can enjoy peace of mind knowing that you are financially protected against unforeseen events that could threaten your business.

Business Owners Insurance (BOP) can help cover your business assets, such as equipment, tools, and inventory, in case of damage or theft. Workers’ Compensation insurance can help cover medical expenses and lost wages if you or your employees get injured while on the job. And commercial vehicle insurance can help protect your work vehicles from accidents and other damages.

In summary, handyman insurance protects you and your business from unforeseen risks and liabilities. Please don’t wait until it’s too late. Get your handyman insurance today and enjoy the peace of mind of knowing you’re protected.

Posted by Handy man Insurance | in Handyman Help | Comments Off on Handyman Insurance, Why Have Handyman Insurance

Handyman Insurance: How do you determine the type of coverage you need for the Contractor’s insurance quote?

Apr. 15th 2024

To determine the type of coverage you need for a contractor’s insurance quote, you must first assess the risks associated with your line of work. This may include liability risks, property damage risks, and risks associated with employees or subcontractors. Once you have identified the potential risks, you can research different types of insurance coverage, such as general liability insurance, professional liability insurance, and workers’ compensation insurance, to determine which ones are most appropriate for your needs. Working with an experienced insurance agent who can help you understand your options and choose the right coverage for your business is also a good idea.

Posted by Handy man Insurance | in Handyman Help | Comments Off on Handyman Insurance: How do you determine the type of coverage you need for the Contractor’s insurance quote?

Handyman Insurance – How do you go about receiving a contractor’s insurance quotes?

Apr. 12th 2024

If you’re looking to receive a contractor’s insurance quote, there are a few steps you can take to ensure you get the best coverage and pricing for your needs.

  1. Determine the type of coverage you need: Before you start requesting quotes, it’s essential to know what kind of coverage you need. Depending on your line of work, you may require general liability insurance, professional liability insurance, or worker’s compensation insurance.
  2. Research insurance providers: Once you know the type of coverage you need, research insurance providers that offer it. Look for companies specializing in contractor’s insurance, as they will better understand the unique risks associated with your industry.
  3. Request quotes: Once you have a list of potential providers, request quotes from each of them. Be sure to provide accurate information about your business and the coverage you need so that the quotes are as accurate as possible.
  4. Compare quotes: Once you receive quotes from multiple providers, compare them to see which offers the best coverage and pricing for your needs.
  5. Make a decision: After comparing quotes, decide which provider to choose. Remember that the cheapest option may not always be the best, so consider other factors, such as customer service and the provider’s reputation in the industry.
Posted by Handy man Insurance | in Handyman Help | Comments Off on Handyman Insurance – How do you go about receiving a contractor’s insurance quotes?

Handyman Insurance – Knowing The Right Deductible For You

Apr. 9th 2024

The rule of thumb with many types of insurance is the higher the deductible, the lower the premium cost. Therefore, you are taking on the risk of paying more out of your pocket later for lower premium payments now. Even though your current expenses may be necessary, you must remember the future. The question for contractors is, how much could you afford to pay out of pocket if you had to pay it tomorrow? If the answer is $5,000, you want to avoid your general liability insurance policy having a $10,000 deductible. California contractors can choose to have the same deductible for bodily injury as for property damage or have a higher deductible for one than for the other.

Posted by Handy man Insurance | in General Liability, Handyman Help | Comments Off on Handyman Insurance – Knowing The Right Deductible For You

Handyman Insurance on What is A Deductible

Apr. 7th 2024

A Deductible is the amount of loss the insured pays before the insurance benefits kick in. When you purchase an insurance policy, you agree to pay a certain amount of money, known as the deductible, before your insurance benefits will begin to cover the costs of any damages or losses that may occur. For example, suppose you have a $500 deductible on your car insurance policy, and you get into an accident that causes $2000 worth of damage to your car. In that case, you will be responsible for paying the first $500 out of pocket, and your insurance company will cover the remaining $1500.

Deductibles can vary widely depending on your insurance policy type and the amount of coverage you need. Policies with higher deductibles tend to have lower premiums because the insured takes on more financial risk in exchange for a lower monthly payment. However, it’s essential to carefully consider your deductible amount and ensure you can afford to pay it if an unexpected event occurs.

Overall, understanding what a deductible is and how it works is important in choosing the right insurance policy for your needs. If you have questions about deductibles or any other aspect of insurance coverage, contact your insurance provider or a qualified insurance professional for guidance.

Posted by Handy man Insurance | in Handyman Help | Comments Off on Handyman Insurance on What is A Deductible

Handyman Insurance on Coinsurance

Apr. 4th 2024

Coinsurance is a term that is used in both property insurance and health insurance. Property insurance refers to a provision in the policy that requires the policyholder to carry insurance equal to a specified percentage of the property value to receive full payment on a loss. This means that if the policyholder does not have adequate coverage, they may not receive the total compensation they are entitled to in the event of a loss.

In health insurance, coinsurance is a percentage of each claim the policyholder pays above the deductible. For example, if a policy has a 20% coinsurance clause, the policyholder pays for the deductible plus 20% of their covered losses. After paying 80% of losses up to a specified ceiling, the insurer starts paying 100% of losses.

It’s essential to understand how coinsurance works in both types of insurance policies to make informed decisions about the amount of coverage you need and how much you are willing to pay out-of-pocket in the event of a loss or medical claim.

Posted by Handy man Insurance | in Handyman Help | Comments Off on Handyman Insurance on Coinsurance

Handyman Insurance – What is Product Liability Insurance?

Apr. 1st 2024

Product Liability Insurance is a type of insurance that provides coverage against claims of personal injury or property damage caused by a defective product. It works by protecting businesses that manufacture, distribute, or sell products against legal liability arising from using those products. If a product causes harm to a customer, the customer can file a claim against the business responsible for the product. Product Liability Insurance can help cover the costs of legal defense, settlement, or judgment in such cases.

Posted by Handy man Insurance | in General Liability, Handyman Help | Comments Off on Handyman Insurance – What is Product Liability Insurance?

Handyman Insurance – What is Defective Work Insurance?

Mar. 29th 2024

Defective Work Insurance is a policy that provides coverage for damages or losses resulting from defective workmanship or materials used in a construction project. Contractors, builders, and developers typically purchase this type of insurance to protect against claims from faulty design, workmanship, or materials used to construct a building or structure. Defective Work Insurance can cover various issues, including foundation cracks, water leaks, and other defects that may occur in a building or structure. The coverage typically includes the cost of repairs, legal fees, and any damages awarded in a liability lawsuit.

Posted by Handy man Insurance | in General Contractors, Handyman Help | Comments Off on Handyman Insurance – What is Defective Work Insurance?

What is Errors and Omissions (E&O) Insurance, and how does it protect you? – Handyman Insurance

Mar. 26th 2024

Errors and Omissions (E&O) Insurance is a type of professional liability insurance that protects individuals and companies from claims made by clients who have suffered financial losses due to errors or negligence on the part of the insured. E&O insurance can be essential for professionals who provide advice, expertise, or services to clients, such as lawyers, accountants, consultants, and even handymen. If a client sues you for negligence or errors in your work, your E&O insurance policy can help cover the cost of legal fees, settlements, and judgments up to the policy limits. This type of insurance can provide peace of mind and financial protection for professionals facing legal claims related to their work.

Posted by Handy man Insurance | in General Insurance, Handyman Help | Comments Off on What is Errors and Omissions (E&O) Insurance, and how does it protect you? – Handyman Insurance

Handyman Insurance – Comparing Handyman Commerical Vehicle Insurance Online

Mar. 21st 2024

Comparing Handyman Insurance Online or Off: Every since the concept of insurance began and companies began insuring individuals in exchange for a premium, people would be able to meet with insurers in person and negotiate coverage; for the most part, calling insurers on the telephone was not even an option. Little by little, technology began to shorten the distance between two points and has allowed motorists to call companies and obtain quotes to compare so that they would not have to take the time to drive down to offices only to find out that the product needed was not available or was far too expensive. They would have to visit another office to see if something cheaper can be obtained. 

Now, consumers need to be more informed; neither of the methods mentioned above need to be used to find the best insurer, and affordable rates can be found online in a fraction of the time. Practically every insurer offers motorists the ability to obtain a quote online, and what is even better is that consumers can use a comparison website that can deliver quotations from a wide variety of companies; by completing one brief form with essential information, motorists can have rates to compare from in a matter of minutes and may even be able to purchase the policy right there and then on the website and get insured instantly.

Of course, individuals can call or visit the company if they wish to speak to an agent, but nonetheless, online shopping can save a lot of time and some hard-earned cash as well. One can even hop online and view the Consumer Guide to Automobile Insurance to brush up on their knowledge regarding auto coverage.

Posted by Handy man Insurance | in Business Auto, Handyman Help | Comments Off on Handyman Insurance – Comparing Handyman Commerical Vehicle Insurance Online

Handyman Insurance – Factors Determining the Cost of Business Auto Insurance

Mar. 18th 2024

Many individuals have no idea what the price tag will be when they begin to shop around for car insurance policies, and sometimes they are pleasantly surprised with the amount asked by insurers, but then others find premiums shocking. While there is no set price for every driver, what a person will pay to cover themselves and their automobile will vary from person to person because insurers have a formula that they use to calculate the rates they will charge for coverage based on applicants and the vehicles to be insured; since everybody’s situation is unique, the cost of a policy can vary substantially with each insurer.

When determining how much auto insurance costs, it is vital to understand what an insurer analyzes to determine premiums. Probably the most significant factor used to calculate a premium is a driver’s record; this is a substantial indication of a motorist’s driving habits and their likelihood to be involved in a loss, ultimately costing the carrier monetarily. Therefore, if a driver has a history of tickets and accidents, they will probably pay more in premiums than those who do not because they are viewed as a higher risk to insure due to their previous incidents.
Other Factors that Affect the Cost of Insurance

Aside from a driver’s record, many additional factors will reflect what a person will pay for their auto insurance. For instance, age plays a big part because the ages of motorists are broken down into groups, and each group has a certain level of risk associated with them. Drivers under age 25 are considered to be “younger motorists” and will likely pay more for coverage than mature drivers, and this is especially true for teenagers; statistics show that motorists between the ages of 16 and 19 are four times more likely to be involved in a traffic accident than older drivers and 16 year olds are three times more at risk than 18 and 19-year-olds.

Posted by Handy man Insurance | in Handyman Help | Comments Off on Handyman Insurance – Factors Determining the Cost of Business Auto Insurance

Handyman Affordable Car Insurance, Youthful Drivers

Mar. 15th 2024

Teens usually find it quite challenging to find automobile coverage at an affordable rate. In some cases, it may be almost impossible for a young person to have the financial capability to pay for car insurance. Still, the bottom line is that teens must be insured if they wish to operate a vehicle.
For this very reason, these youthful drivers must take the time to understand and learn the multiple ways that they can use how to locate the cheapest rates to ensure that they are covered at all times while behind the wheel.

When it is time for an individual to buy auto insurance for teenagers and begin to shop around, they will quickly realize that the premiums asked for by insurers can be pretty high, and there are many reasons for this. First off, these youths have minimal experience driving an automobile, which leads to vulnerability; as a matter of fact, studies show that motorists between the ages of 16 and 19 are four times more likely to be involved in an accident than older drivers and 16-year-olds almost three times more likely than 18-19-year-olds. In addition, automobile accidents are the number one cause of death for this age group; for these reasons, policies may be more expensive, but fortunately, there are a few ways to keep the cost of coverage down.

Posted by Handy man Insurance | in Business Auto, Handyman Help | Comments Off on Handyman Affordable Car Insurance, Youthful Drivers

Handyman Workers Compensation – Handyman Insurance

Mar. 12th 2024

What is handyman workers compensation Insurance?

Handyman workers’ compensation insurance is a type of insurance that provides benefits to employees who are injured or become ill as a result of their work. This insurance is mandatory in most states and covers medical expenses, lost wages, and other related costs. It helps protect the employee and the employer in the event of a workplace injury or illness. As a handyman business owner, it’s important to have workers’ compensation insurance to protect yourself and your employees.

Insurance might not be the first thing someone thinks about when running a business, but it should be an essential consideration. Handyman insurance is another requirement if you are thinking about starting a handyperson business. Handyman insurance includes several types of coverage; each one offers a specific kind of protection for your business.

Find the best Handyman insurance quotes from some of the finest and most solid insurance companies that compare liability coverages based on your choices. This website provides important insurance information on Handyman Insurance Coverage and quotes. Handyman insurance includes several types of coverage; each one offers a specific kind of protection for your business.

Posted by Handy man Insurance | in Handyman Help, Workers Compensation | Comments Off on Handyman Workers Compensation – Handyman Insurance

Handyman Insurance – Finding Good Business Auto Insurance Policies

Mar. 10th 2024

Determining if you need commercial auto insurance can be confusing as the decision-making process contains many variables. You will encounter these questions when searching for a company to purchase your commercial auto insurance. Most personal auto policies exclude from coverage the use of a vehicle for commercial purposes. The last thing you will want to do is argue with your insurer over whether your automobile was used more for personal use or business use. The risk of a severe auto accident wiping out a small business far exceeds the premiums paid for the coverage, and this is not the place to save premiums. Purchasing business auto insurance is usually the safe route to follow.


A commercial auto policy does the same thing as your auto policy. While the types of coverage provided by personal and commercial auto insurance policies are essentially the same, there are important distinctions. Typically, commercial auto insurance policies have higher liability limits, for example, $1 million. If you rely on a personal auto insurance or personal umbrella liability policy to protect your company’s use of vehicles, look closely at the provisions, as business-related liability may be excluded.

Commercial vehicle insurance policies offer many more coverage options that are much more relevant to the needs of a business. Your auto policy will exclude coverage for commercial uses of your vehicle. Many small-business owners believe that if their car is in their name, then commercial coverage is optional, and their personal auto policy will cover it.

Posted by Handy man Insurance | in Handyman Help | Comments Off on Handyman Insurance – Finding Good Business Auto Insurance Policies

Workers Compensation, Handyman Insurance, Do I Need This Type of Coverage?

Mar. 7th 2024

Workers’ compensation insurance covers workers injured on the job, whether on the workplace premises, elsewhere, or in auto accidents while on business. Insurance quotes vary according to your business and state, so you must remember this when shopping for insurance. Companies must buy workers’ compensation insurance in almost every state. To protect employers from lawsuits resulting from workplace accidents and provide medical care and compensation for lost income to employees hurt in workplace accidents.

Small businesses with at most three to five employees may not be required to carry workers’ compensation insurance in some states. However, even if family members are excluded, they are still counted towards the number of employees to determine if you are legally required to carry workers’ compensation insurance. We have many workers’ compensation insurance and general liability carriers to help your business. Employers failing to comply with these laws may be subject to penalties by the state and, in addition, may lose protections afforded them by workers’ compensation insurance and the state’s laws.

Posted by Handy man Insurance | in General Liability, Handyman Help | Comments Off on Workers Compensation, Handyman Insurance, Do I Need This Type of Coverage?

HandymanInsurance.com – Explains Worker’s Compensation, Insurance Coverage

Mar. 4th 2024

Employer liability insurance coverage is a legal requirement if your business as a Handyman employs any staff (including part-time employees, trainees, or subcontractors). Employer liability insurance protects against your legal liabilities to pay compensation for injury sustained by your employees during your business as a Handyman. The other purpose of workers’ compensation insurance is to protect employers from potential lawsuits from injured employees.

Employers Liability Insurance for Handyman Work: This type of insurance would cover payment of legal fees and damages if an employee were injured or killed while working for you. Our Handyman Insurance Program gives our policyholders comprehensive coverage for their 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;

The handyman must comply with Worker Compensation Insurance Laws and provide payment for employee medical treatment and part of any income lost while recovering from an on-the-job illness or injury. Workers compensation insurance is a policy carried out by businesses that covers the medical costs and a portion of lost wages for an injured employee.

Posted by Handy man Insurance | in General Liability, Handyman Help | Comments Off on HandymanInsurance.com – Explains Worker’s Compensation, Insurance Coverage

How is Handyman Life Insurance Priced and Rated – Handyman Insurance

Mar. 1st 2024

Life Insurance is priced based on your health, family history, and goals. Premium rates for life insurance are typically based on factors such as age, sex, height, weight, health status, whether or not you smoke, and participation in high-risk activities or occupations.

Finding affordable life insurance coverage with a preexisting medical condition can be tricky. As you get older and closer to retirement, it’s not a bad idea to consider taking out a life insurance policy to protect your loved ones financially after you’re gone. One of the keys to securing affordable life insurance rates is staying healthy. Finally, keep in mind that your health will play a key role in determining what your life insurance rates will be.

Posted by Handy man Insurance | in Handyman Help, Life Insurance | Comments Off on How is Handyman Life Insurance Priced and Rated – Handyman Insurance

Life Insurance, Handyman Insurance Quotes for Key-Person

Feb. 29th 2024

If you already have a life insurance policy, reviewing it every few years is a good idea to ensure it still meets your needs. If you plan to increase your total life insurance, it’s generally better to keep your old policy and increase its face amount if you can or add a new one. On our site, you can find the best policy for you by getting life insurance rates from some of the best insurers in the business.

Take the first important step to providing for your family after you’re gone by signing up for life insurance rates now. Because life insurance policy coverage is particular in the types of health issues it will cover, it is a good idea to take out a separate policy for long-term care insurance. As with most insurance policies, life insurance is a contract between the insurer and the policy owner whereby a benefit is paid to the designated beneficiaries if an insured event occurs that is covered by the policy.

Generally, life insurance aims to provide peace of mind by assuring that financial loss or hardship will be lessened or eliminated in the event of the insured person’s death. Obtaining a good life insurance policy can remove your fears that your family won’t be set for life should you have an untimely death. With life insurance, your loved one/s will be taken care of, especially if you are the leading money winner in the family.

Posted by Handy man Insurance | in Handyman Help, Life Insurance | Comments Off on Life Insurance, Handyman Insurance Quotes for Key-Person

Have Proof of Business Auto Insurance Ready and Available

Feb. 24th 2024

Just about every state in the country requires individuals to have compensation in place for property damage that they may cause with their vehicle and either bodily injury liability for injuries caused to others and Personal Injury Protection (PIP) to pay for an injury suffered by the policyholder regardless of who is at fault.
States will enforce these laws, known as the Financial Responsibility and No-Fault laws. Although there are a few different ways to satisfy these laws, such as making a cash deposit with the state or obtaining a surety bond for a specified amount, most motorists purchase auto insurance and maintain coverage through an insurer.

Although not all states require it, it may be a good idea always to carry proof of car insurance while operating an automobile. Suppose a person is involved in a traffic accident. In that case, they will need to swap policy information following the incident, so having the documentation readily available can make it a whole lot easier and faster to go through the claims process.

In many states, it will asked for by a law enforcement officer upon arrival at the scene of the collision, and in many cases, not having proper proof will give the officer the assumption that you do not have coverage, which may result in a fine and the need to appear in court with the documentation necessary; both of which can be avoided by simply carrying that piece of paper.

Additional Information about Proof of auto insurance:

When a motorist purchases an automobile policy, the carrier or representative of the insurer should provide temporary proof of insurance, also called identification cards, as soon as the transaction is complete, and the finalized documentation should be mailed to the residence of the newly insured. On the identification cards, most states require that particular information is stated on the documentation; in most cases, states require that the cards show the name of the insurer, a policy number, the effective date and expiration date of the coverage, the name of the insured, a description of the year, make and model of vehicles including the “VIN.” The policyholder is responsible for ensuring that all information is correct.
Motorists should make themselves aware of whether or not they are required by law to have proof on them at all times while driving because fines can get quite expensive and become a hassle if caught without the proper documentation (even if the state does not require identification cards to be carried it is probably a good idea to do so anyway.)
States that require motorists to have policies on them at all times will allow law enforcement officers to ask for identification cards at routine traffic stops. If unable to furnish the driver, they can be cited. According to the Washington State Department of Licensing, those who are caught operating an automobile without coverage can be fined at least $450, which can be close to the amount it would cost to purchase a policy. It may be wiser always to have the documentation ready and never risk driving uninsured.

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What Are The Common Types of Handyman Business Insurance – Handyman Insurance

Feb. 13th 2024

Here are some common types of business insurance:

Business Property Insurance: Coverage against loss or damage to your business property or contents. Business Liability Insurance: Coverage against a claim by others that your business caused them a loss.

Commercial Auto Insurance: Coverage for vehicles used by your company. If you produce goods, consider purchasing product liability insurance. This goes beyond general liability because it protects you in case your products, once out there in the world, cause customer injury. General liability insurance is a type of business insurance that covers any issues that arise concerning your business, such as accidents, injuries, and negligence. If your company manufactures goods, wholesales, or retail sales goods, product liability insurance can help protect you in issues concerning the safety of those goods.

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Handyman health insurance helps protect you from high medical care costs – Handyman Insurance

Feb. 8th 2024

Health insurance helps protect you from high medical care costs. Health insurance provides many things: a safety net should you get sick or injured; the means to maintain your well-being with tests, screenings, and vaccinations; and peace of mind, knowing your family can get the cheap health care it deserves.

Health insurance is vital if you or any family member is sick or injured. Health insurance plans come in a range of premiums, deductibles, and health eligibility requirements. Families have widely differing needs, too. By comparing different insurance companies with similar Health Insurance plans, you can see which Health Insurance plan may better benefit you regarding money paid and services rendered.

An online broker can compare many different Health Insurance plans at the same time. By simply filling out a form to compare Health Insurance plans, the broker can come back with a rate quote for a Health Insurance plan tailored to your needs. Each online broker will have multiple Health Insurance plans that many companies will underwrite. You get the best rate for multiple Health Insurance plans by using online brokers to compare Health Insurance plans. This will allow the broker to compare various Health Insurance plans to give you the most up-to-date information about where you live. You can compare health insurance plans with a local online broker and design one that will fit your needs. We offer health insurance plans from top health insurance companies nationwide.

You can learn all about health insurance, get free online health insurance quotes, compare health plan prices and benefits side-by-side, choose from a large selection of affordable health insurance plans from leading health insurance companies, and apply for health insurance online. Compare free instant quotes for affordable health insurance plans available in your area without giving your email or phone number.

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Handyman Insurance Quotes and Discounts: Affordable Auto Insurance Based on Your Unique Driving Record and Habits

Jan. 29th 2024

Many people like to save money whenever possible, but sometimes, auto insurance can be a necessary expense. Even if coverage is required to drive where a motorist lives legally, there are still ways to find adequately priced policies. Insurers usually base premiums on a variety of details obtained from a motorist, and because many vehicle owners have unique driving records, driving habits, and automobiles, several policies can be priced differently. Motorists can typically research these differences to see some of the cheapest automobile coverage for their specific needs. Prices can even drop to lower levels after applying various discounts that can be awarded for numerous reasons.

Many companies advertise discount auto insurance, but prices are largely based on a motorist’s specific details. This can include an individual’s age, gender, marital status, occupation, credit rating, vehicle year, make and model, and accident history. These details, and sometimes more, determine a person’s likelihood of filing a claim. People with a greater risk typically receive higher premiums, while people at a lower risk usually see less expensive policies and additional savings. It should be noted, however, that many companies also have a unique type of customer that they target. Because of all these factors that can affect a person’s premium, drivers are encouraged to shop around before purchasing.

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Business Auto Insurance can be costly. Fortunately, there are several methods for getting affordable auto insurance.

Jan. 26th 2024

Making adjustments to an existing policy can significantly alter someone’s premium. For example, vehicle owners required to buy comprehensive and collision coverage are generally allowed to set their own deductible. Choosing a higher deductible means that the policyholder will have to contribute more to cover the cost of repairing physical damages to the insured automobile. Still, their premium will be lower as a result.
Apart from making policy adjustments, one of the best ways to get cheaper coverage is to keep a clean driving record. Accidents and moving violations can quickly lead to higher insurance prices. In some situations, becoming a high-risk driver can make finding an insurer willing to provide adequate coverage challenging. Luckily, there are numerous ways for motorists to improve their driving skills that frequently result in lower rates.

Residents can use state resources to get access to driver training programs. For example, the Georgia Department of Driver Services offers driver training information to residents. Typically, these programs are designed for teenagers and vehicle owners over 55, but additional courses may be available. Completing one of these programs can also result in special discounts from participating car insurance companies.

Posted by admin | in Business Auto, Handyman Help | Comments Off on Business Auto Insurance can be costly. Fortunately, there are several methods for getting affordable auto insurance.
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.
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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.

 

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.