Archive for the 'Handyman News' Category

Purchasing the right automobile policy is very important.

Apr. 30th 2024

As a handyperson, your role in the community is not just important; it’s crucial. Your work is the backbone that keeps homes and businesses running smoothly. That’s why purchasing the proper automobile policy is not just important; it’s vital. It can be the difference between financial stability and a potential financial disaster in the event of a traffic accident. Without adequate coverage, you could find yourself unexpectedly responsible for expenses your insurer should have covered. However, finding the right policy can be a complex task, with numerous types of coverage, limits, and interchangeable products to consider. But don’t worry; resources are available to help you make an informed decision.

Your insurance company’s agent is an invaluable resource in your quest for the right policy. These professionals are not just knowledgeable; they’re experts in the industry. They can demystify the jargon and complexities of a policy that may confuse the average consumer. They can guide you through the various policies sections, explaining what each covers and helping you determine its necessity. Their role is to make sure you understand what you’re buying and why it’s important.

It’s important to note that not every agent can offer the most competitive price for coverage. Therefore, taking the initiative to consult with multiple agents before finalizing your decision is not just wise; it’s empowering. This proactive approach can help you secure the most affordable premium that aligns with your needs, giving you more control over your insurance decisions.

State government agencies provide another valuable resource. State insurance regulators often offer:

  • Consumer guides that detail the required coverage.
  • Tips on getting insured.
  • Company licensing information.
  • Helpful ways to save on policies.

Visit your state’s website for assistance in determining the recommended protection level. If you need more clarification about a specific detail, contact the regulator or an industry professional for further assistance.

Remember, there’s no one-size-fits-all policy when it comes to automobile insurance. That’s why it’s essential to research and seek guidance from knowledgeable resources to ensure you’re adequately covered.

Understanding Automobile Insurance Coverage: A Handyman’s Guide

As a handyperson, it’s crucial to have adequate automobile insurance coverage to protect yourself financially in a traffic accident. However, finding the right policy with the appropriate coverage and limits can take time and effort. Here are some types of coverage and limits available that you should consider adding to your policy: 

1) Liability Coverage: Auto Liability Coverage is one of the most important types of car insurance that you can purchase. Most states require liability by law to drive. Liability coverage protects you financially in the event that you cause an accident while driving your vehicle. 

In a nutshell, Liability coverage pays for damages or injuries you may cause to other people and their property while driving your car. It includes two types of coverage: Bodily Injury Liability and Property Damage Liability. 

Bodily Injury Liability coverage pays for medical expenses, lost wages, and other damages that other people may suffer as a result of an accident that you caused. Property Damage Liability, on the other hand, pays for repairs or replacement of other people’s vehicles or property that you damaged in an accident. 

It’s important to note that Liability coverage does not cover any damages or injuries you or your passengers may suffer in an accident. You must purchase additional coverage, such as Personal Injury Protection or Medical Payments. 

Overall, Liability coverage is not only required by law in most states but also an essential component of any car insurance policy. It provides peace of mind knowing that you’re protected financially in case of an accident and ensures that you can cover the costs of any damages or injuries you may cause to others while driving your car.

2) Collision Coverage: Auto collision coverage is essential to any comprehensive automobile insurance policy, especially for handypersons who are always on the go. Whether you are commuting to work or running errands, you can never predict when an accident may occur. That’s why collision coverage is vital; it provides financial protection for your vehicle in the event of a collision, regardless of who was at fault.

Without collision coverage, you would be responsible for the cost of repairing or replacing your vehicle if you were involved in an accident. This expense can quickly add up and significantly strain your finances. However, with collision coverage, you can have peace of mind knowing that your insurer will cover the cost of repairs or replacement up to the policy limit.

Collision coverage is not just limited to accidents involving other vehicles. It also covers collisions with stationary objects, such as guardrails, trees, and buildings. Suppose a collision damages your car beyond repair. In that case, collision coverage will pay the actual cash value of your vehicle at the time of the accident minus any deductible you may have.

Handypersons who rely on their vehicles to carry out their work should strongly consider getting collision coverage, which is optional but recommended. The cost of collision coverage may vary depending on several factors, including the make and model of your vehicle, your driving record, and the coverage limit you choose.

When shopping for collision coverage, consider your specific needs and budget. Choose a coverage limit that provides adequate protection for your vehicle without breaking the bank. It’s also wise to compare quotes from different insurers to ensure you get the best deal.

In conclusion, collision coverage is crucial to any automobile insurance policy. It provides much-needed financial protection for your vehicle in the event of a collision, regardless of who was at fault. As a handyperson, you rely on your car to carry out your work, so adequate coverage is essential to protect your assets and ensure you can get back on the road quickly after an accident.

3) Comprehensive Coverage: Comprehensive coverage is a vital component of any comprehensive automobile insurance policy as it pays for repairing or replacing your vehicle if it’s damaged or lost due to non-collision events such as theft, vandalism, or natural disasters. Without comprehensive coverage, you would be responsible for repairing or replacing your vehicle in case of such incidents, which can be expensive. However, with comprehensive coverage, you can have peace of mind knowing that your insurer will cover the cost of repairs or replacement up to the policy limit. Whether it’s a case of theft or damage due to a natural disaster such as a hailstorm or a flood, comprehensive coverage will provide you with the financial protection you need to get back on the road as soon as possible.

4) Uninsured/Underinsured Motorist Coverage: The Handyman Auto’s Uninsured/Underinsured Motorist Coverage protects you if you get into an accident with a driver who is not sufficiently insured to cover the damages or injuries they have caused. This coverage ensures that you don’t have to bear the financial burden of the accident and its aftermath. In such a scenario, your insurance company will pay for your damages and medical expenses up to the policy limit, even if the at-fault driver doesn’t have enough insurance to cover the costs. This coverage is crucial, especially if you frequently drive in high-traffic areas or where many drivers carry minimal insurance coverage.

5) Personal Injury Protection (PIP): Personal Injury Protection (PIP) covers medical expenses and lost wages in the event of a car accident, regardless of who caused it. If injured in an accident, PIP can be valuable in helping you recover. With PIP, you won’t have to worry about paying medical bills or losing wages due to missed work. The PIP coverage aims to offer financial security and peace of mind to individuals injured in an accident. If you are in such a situation, do not hesitate to utilize your PIP coverage to obtain the necessary help.

When choosing coverage limits, it’s essential to consider your financial situation and assets. Choosing high enough limits to protect your assets in case of a lawsuit would help.

The Importance of Adequate Auto Insurance Coverage for Handymen: John’s Story

As a handyman, John had built a successful business over the years. He had a reputation for providing quality work to his clients, and his company was worth around $500,000. However, John never considered the possibility of getting into an accident while driving his work van. He only had the minimum state liability limits of 15/30/10, which he thought was enough to protect him.

One day, while driving to a job site, John lost control of his van and crashed into another vehicle. Unfortunately, John was at fault for the accident, and the other driver suffered severe injuries. The injured driver’s medical bills alone were well over $100,000.

The insufficient coverage provided by his insurance policy shocked John when he realized it did not cover all the damages he had caused. The damages totaled over $300,000, and since the policy limits were exhausted, John was left with the remaining balance. Because his business could not handle such a burden financially, he had to liquidate most of his assets to pay off the debt.

John’s experience is a cautionary tale for all handypersons who may underestimate the importance of adequate insurance coverage. The state liability limits 15/30/10 may seem reasonable, but more is needed for accidents involving severe injuries or property damage.

As a handyperson, your vehicle is an essential tool for your business, and you rely on it to get to your job sites and transport your equipment. Without adequate insurance coverage, you risk losing your business and everything you have worked hard to build.

It’s crucial to consult with your insurance agent and assess your business’s insurance needs carefully. The right coverage can protect you financially in an accident and provide peace of mind, knowing that you have done everything possible to safeguard your business and future.

Handypersons: Protect Yourself Financially with the Right Automobile Insurance Coverage – Here’s How

As a handyperson, it’s essential to have the right automobile insurance coverage to protect yourself financially in a traffic accident. Here are some tips to help you ensure that you’re adequately insured:

1) Determine your insurance needs: Before purchasing an automobile insurance policy, evaluating your specific insurance needs is essential. Consider your vehicle type, how often you use it, and your driving history. This information can help you determine the level of coverage you need to protect yourself financially.

2) Shop around: Don’t settle for the first automobile insurance policy you come across. Research different insurance companies and compare their rates, coverage options, and customer reviews. Researching will help you find the most affordable policy that meets your specific insurance needs.

3) Consider Higher Liability Coverages: Most states require Liability coverage; however, depending on your gross income, you may want higher limits than the state minimum. Consider increasing the liability limits to insure yourself to value. For example, in California, the minimum liability limits are $15,000 per person, $30,000 per accident for bodily injury liability, and up to $5,000 per accident for property damage liability (15/30/5). However, those limits are really for low-income people who want to drive legally in California but can’t afford higher limits. 

You can be sued for any remaining balance if your net value exceeds the minimum. With that in mind, you can quickly see that if you total a car value at 35,000, $5000.00 is not enough coverage. Compare that to bodily injury, and how far do you think $15,000 in coverage will go? Think about higher limits such as 100/300/50; you want to avoid leaving yourself open to being sued and losing more than just your handyperson business. 

4) Bundle policies: Many insurance companies offer discounts when you bundle multiple policies, such as auto and home insurance. Bundling can help you save money on your overall insurance costs.

5) Maintain a good driving record: Maintaining a clean driving record can help you qualify for lower insurance rates. Avoid traffic violations and accidents to keep your insurance rates low.

By following these tips, you can ensure that you’re adequately insured and protected financially in the event of a traffic accident.

Understanding Automobile Insurance Coverage: A Handyman’s Guide to Protecting Yourself Financially in Case of an Accident

In conclusion, as a handyperson, it’s important to understand the various types of automobile insurance coverage and their limits to ensure that you’re adequately protected financially in case of an accident. Liability coverage is essential to cover damages or injuries you may cause to other people and their property. In contrast, collision coverage provides financial protection for your vehicle in case of a collision, regardless of who was at fault. By consulting with multiple insurance agents and utilizing state resources, you can make an informed decision and secure the most affordable premium that aligns with your needs. Remember, taking the time to research and seek guidance from knowledgeable resources can make all the difference in purchasing the proper automobile policy.

Posted by Handy man Insurance | in Business Auto, Handyman Insurance, Handyman News, Health Insurance | Comments Off on Purchasing the right automobile policy is very important.

Handyman Insurance, Compare Florida Business Auto Insurance Quotes and Rates

Oct. 17th 2016

Comparing business auto insurance in the Sunshine State should be taken very seriously since the state’s residents pay some of the highest premiums in the country; conducting an effective comparison can be crucial in finding the most affordable policies. One should be sure to take the time to locate as many quotes from as many insurers before making a purchase to ensure that they have located a carrier that can offer the product needed at a rate that is within their budget. This may take a little bit of time, but if a cheap policy is found than the time invested would be well spent.

Motorists have a few ways to compare Florida auto insurance rates and while each one can be just as effective, some methods of comparing quotes can be much more time consuming than others. Individuals have the choice of visiting offices and negotiating terms and prices with agents in person, grabbing the phone book and calling as many companies as they wish until a rate that is reasonable has been found or they could shop around online either by visiting the individual websites of each insurer or using a comparison website which can provide the quotes of numerous carriers in one place. Which ever method a person prefers, it is necessary to compare in order to find the right product and the best deals.

Posted by Handy man Insurance | in Handyman News | No Comments »

Handyman Insurance, The Town of Evans Bands Handyman

Mar. 2nd 2015

A Southtowns contractor is barred from doing business in the Town of Evans, because of so many complaints against him.  Gajkowski, 33, is accused of leaving home improvement jobs unfinished, and homeowners holding the bag.

Gajkowski has no insurance, pays no Workers Compensation, nor will town officials even issue him a building permit, so the town is taking an extraordinary stand.  Gajkowski has been warned by the town building inspectors, and the police, that he is not allowed to do any contracting work within the Town of Evans.

Posted by Handy man Insurance | in Handyman Insurance, Handyman News | No Comments »

What Seniors Should Know Before Hiring a Contractor

Mar. 29th 2011

What You Should Know Before You Hire a Contractor

  • Read What You Should Know Before You Hire a Contractor, available online at www.cslb.ca.gov or at (800) 321-CSLB.
  • Take your time before you make a decision about hiring a contractor.
  • Get at least three bids and check references.
  • Hire only licensed contractors. Anyone performing home improvement work valued at $500 or more must be licensed by the Contractors State License Board.
  • Get the contractor’s license number and verify it online at www.cslb.ca.gov or at (800) 321-CSLB.

What You Should Know About the Contract

  • Get your contract in writing and don’t sign anything until you understand the terms.
  • Ask a friend or relative to review the contract before you sign it.
  • Include in your contract: a specific description of work to be done, materials to be used, total cost of the project, and start and completion dates.

What You Should Know About Unscrupulous Contractor Scams . . .

Door-to-Door Solicitations

A solicitor offers to do roofing, painting or paving work at a reduced price. Once payment is made, little or no work is done and the project is abandoned.

High Pressure Sales

An unscrupulous contractor pushes for an immediate decision about work, which makes it impossible for the homeowner to get competitive bids, check licenses or review references.

Scare Tactics

A deceitful contractor offers to perform a free inspection, then claims that faulty wiring, bad plumbing, or a leaky roof put the homeowner in peril. The alarmed homeowner agrees to unnecessary and over-priced work.

Demand for Cash

A contractor demands cash payments, sometimes going so far as to drive the victim to the bank to withdraw funds. With money in hand, the unscrupulous operator takes the money and runs.

Illegally Large Down Payments

A dishonest contractor takes more for a down payment than is allowed by law, claiming to need instant cash for supplies and to pay workers. By law, a down payment cannot exceed 10 percent of the project price or $1,000, whichever is less.

Verbal Agreements

A contractor states that a written contract is unnecessary—promising to deliver on the verbal agreement. The shady operator takes advantage of the situation to perform shoddy work—or none at all.

What You Should Know About Payments

  • Don’t pay cash.
  • Include a payment schedule in your written contract.
  • Don’t pay more than 10 percent of the job or $1,000, whichever is less, as a down payment.
  • Don’t let payments get ahead of the work.

What You Should Know About the Contractors State License Board

  • The CSLB provides information about a contractor’s license, bond and workers’ compensation insurance status, as well as pending and prior legal actions.
  • Free consumer publications and complaint forms are available from the CSLB.
  • Go to CSLB’s Web site at www.cslb.ca.gov, call (800) 321-CSLB, or write to CSLB, P.O. Box 26000, Sacramento, CA 95826 for information.

You can do more to protect yourself before hiring a contractor than the Contractors State License Board can do to help after you’ve been harmed.

Before you sign a contract;

Before you hire a contractor; or

Before you pay for work and repairs to your home;

Get free information from the Contractors State License Board at www.cslb.ca.gov.

Posted by Handyman Insurance | in Handyman News | No Comments »

Avoid Becoming a Victim by Unethical Handyman Contractors

Mar. 20th 2011

Avoid Becoming a Victim by Unethical Handyman Contractors: Each year, thousands of property owners in Arizona are solicited by unlicensed contractors who promise deals, which sound too good to be true. Most of the time, they are, and all too often, the complainant is defrauded out of hundreds or even thousands of dollars. Some of the questionable tactics a consumer should be on guard against are:

DON’T accept a contractor’s advertising or word as proof of being legitimate or of possessing a current, valid contractor’s license. Call the ROC.

DON’T respond to “scare tactic” door to door salesman who say they were just driving by and notice a problem with your roof or driveway, and they just happen to have extra material on their truck. Call the ROC.

DON’T make major or full advance payments to the contractor for purchase of materials for your job site. Con men will often do superficial defective work, or even no work at all and never return. You then might encounter major bills to correct the damage or problems left behind.

DON’T supply telephone solicitors with credit card or other personal credit information on promises of free inspections or free gifts. Call the ROC, the Attorney General’s office, or the Better Business Bureau to check on other consumer complaints against the company.

DON’T accept the first price or bid that comes along, especially on major construction or remodeling projects. Be skeptical of bids or prices that are much lower than others obtained. Be sure all bidders possess current contractor’s licenses for the type of work to be performed.

DON’T assume that even if a contractor is licensed that you will get what you pay for and be protected. Occasionally, even licensed contractors develop financial difficulties, have employee or credit problems, or fail to keep their license current. Call the ROC before signing any contract or advancing any large payments for work that has not been performed.

DON’T allow solicitors or contractors to have access to your home or property without a prior appointment, and without having first verified the contractor’s name, the name of the business, the company’s current contractor license number, and the name of the person who will be sent to your home to do the work.

DON’T judge a book by its cover. Many con men depend upon their victim’s being fooled by their friendly, professional appearance or confident approach.

They may also take the other approach of attempting to intimidate or threaten people into signing contracts or making payments.  Call the Registrar of Contractors or call your local police.

DON’T forget that you are the customer. That means that you may also be a target for a fraudulent scheme or theft. Call the ROC!

Remember there is seldom a case where a property owner needs to sign a contract immediately.  A contractor who tells you that the work must be done right away, for your family’s or your own safety, is probably trying to force an immediate sale, or is perpetrating a fraud.  If you are told, or believe you have an emergency, such as a gas leak, or a serious electrical problem, call your local fire department or public utility company

Posted by Handyman Insurance | in Handyman News | No Comments »

Contracting or Advertising Without a License is a Crime in Arizona

Mar. 19th 2011
Chapter 10, Title §32-1151, of the Arizona Revised Statutes states: “It is unlawful for a person, firm, partnership, corporation, association or other organization, or a combination of any of them to engage in the business, or act or offer to act in the capacity, or purport to have the capacity of a contractor, without having his own license in good standing in his own name therefore as provided in this chapter. Evidence of securing a permit from a governmental agency or the employment of a person on a construction project shall be accepted in any court as prima facie evidence of existence of a contract”

What this means is a contractor must have a current and active license, showing he or she is qualified to perform the type of work required, before he or she can even bid on a project. Violation of this statute is a class 1 misdemeanor.
There are exemptions to these licensing requirements listed under Chapter 10, Title A.R.S. §32-1121, however most of the exemptions do not effect the consumer directly. The most frequently claimed exemption to the licensing requirements is that of the “handyman”. The statute allows individuals who perform minor repairs or installations to do so without being licensed. To qualify for this exemption two conditions must be met:  The work does not require a local building permit, AND the total cost of the project, including labor, materials and all other items does not exceed one thousand ($1,000.00) dollars.

As used in the statute, the term “total cost of the project” does not refer strictly to the work of the handyman. As an example, a “handyman” cannot build a brick fireplace for $1,000.00 in a ten thousand-dollar addition to a home. The “total” cost of the project would be considered as $ 11,000.00. In such cases, the “handyman” would be required to be a licensed contractor.

As another example, a “handyman” installing the same fireplace in an existing home for $ 1,000.00 would still need to be licensed, if a local building permit was required to perform the work. The reason for these licensing requirements is to protect the health, welfare and public safety and to promote quality construction in Arizona.  Under Title §32-1165, it is also a class 1 misdemeanor for any person to advertise that he or she is able to perform any service or contract for compensation subject to the regulation by the registrar under the terms of the chapter, unless a license is first obtained, regardless of whether his operations as a contractor are otherwise exempt.

Advertising Requirements: The advertising requirements of the statute does not prevent anyone from placing an ad in the yellow pages, on business cards, or on flyers.  What it does require under A.R.S. §32-1121A14(c), is that the advertising party, if not properly licensed as a contractor, disclose that fact on any form of advertising to the public by including the words “not a licensed contractor” in the advertisement.  Again, this requirement is intended to make sure that the consumer is made aware of the unlicensed status of the individual or company.  Contractors who advertise and do not disclose their unlicensed status are not eligible for the handyman’s exception.
Posted by Handyman Insurance | in Handyman News | No Comments »

Saudi Arabia adopts sustainability as a fundamental focus in the Kingdom’s recent boom in construction projects

Jan. 31st 2011

Saudi Arabia’s growing sustainable industry and booming economy are being driven by the construction industry which is currently valued at SR 1 trillion. Saudi Arabia has adopted sustainability as a fundamental focus in the Kingdom’s recent boom in construction projects.

CertainTeed showcases sustainable construction products at the 2011 International Builders’ Show

Jan. 31st 2011

CertainTeed Corporation, a subsidiary of Saint-Gobain, will showcase its sustainable products and an industry-first mobile app at the 2011 International Builders’ Show in Orlando, Fl.. The company’s building science team will also help tackle several key building industry issues .

Eco-Solids International showcases Cellruptor installation at Yorkshire Water

Jan. 28th 2011

Eco-Solids International has showcased its Cellruptor installation at Yorkshire Water’s Esholt WWTW, which proved to be one of the main highlights of the 15th European Biosolids and Organic Resources Conference & Exhibition.

November Handyman Construction Slides 9%

Jan. 18th 2011

November Handyman Construction Slides 9%: At a seasonally adjusted annual rate of $375.9 billion, new construction starts in November fell 9% from the previous month, according to McGraw-Hill Construction, a division of The McGraw-Hill Companies.

Posted by Handyman Insurance | in Handyman News | No Comments »

Jerseys sand and gravel quarry takes delivery of a new Terex Finlay 683 Supertrak

Jan. 16th 2011

A Jersey-based sand and gravel quarry has taken delivery of a new Terex Finlay 683 Supertrak from Finlay Plant Southern. Simon Sand & Gravel Limited a fifth generation, family-owned quarry situated at St Ouen’s Bay on the west coast has been supplying the island’s building equipment for years.

FM Conway orders Fuso Canter trucks to operate in Londons Low Emission Zone

Jan. 15th 2011

FM Conway, based in Dartford, Kent, has ordered 31 Canter 7C15s trucks to work on its portfolio of maintenance contracts with borough councils across the capital. The new fleet of clean, ‘green’ 7.5-tonne Fuso Canters will be used in London’s Low Emission Zone.

Save time and money on costly basement repairs with TRX Compressed Swell Plug

Jan. 14th 2011

Mr. Sponge Waterproofing is now offering its newly developed tie-rod hole leak device called “TRX Compressed Swell Plug”. Property managers and maintenance repair personnel can now save time and money on costly basement repairs by doing this repair process themselves.

Aon Risk Solutions Public Entity practice provides specialty consulting, risk control, claims services and construction-related products for public entities

Jan. 13th 2011

Aon Risk Solutions has formed a Public Entity practice to address and work to fulfill increased demand among state governments, counties, towns, special districts and public schools for specialized risk advice and services.

Government confirms support for anaerobic digestion at ADBA Conference, Handyman News

Jan. 12th 2011

Building on its inaugural conference in 2009, ADBA’s (The Anaerobic Digestion and Biogas Association) second national conference in London attracted the industry’s leading players to a packed day of speakers and discussions.

William Anelay repairs grade 1 listed St Augustines Church

Jan. 11th 2011

William Anelay Ltd has announced it has completed the latest phase of work at the grade 1 listed St. Augustine’s Church in Hedon near Hull. The contract involved repairs and replacements to some of the building’s structural masonry, much of it dating back eight hundred years.

Handyman DOL Releases Lactation-Break “Preliminary Interpretations”, Seeks Comment

Jan. 10th 2011

The U.S. Labor Department has now published what it calls its “preliminary interpretations” and a request for information regarding the federal Fair Labor Standards Act lactation-break amendment we wrote about in April and July.  The deadline for submitting information and comments is February 22, 2011.  Employers should give serious consideration to weighing-in on these “preliminary interpretations”.

The material says that the “reasonable break time” required should be evaluated according to individualized considerations of both the time spent expressing milk and “steps reasonably necessary” to that activity.  In DOL’s view, the length of a required break will depend upon a variety of things, like:

•   How much time it takes to express the milk (DOL anticipates 15 to 20 minutes),

•   Time spent walking to and from the break location, and any time waiting to use the space,

•   Time spent retrieving, unpacking, and setting-up a pump and related supplies,

•   The efficiency of the pump,

•   Time spent in washing, in cleaning the pump and attachments, and in any related steps, taking into account whether there is a sink with running water nearby, and

•   Time spent storing the milk in a safe manner.

As for the frequency and number of breaks, DOL will consider factors such as:

•   The baby’s age as this relates to the child’s feeding needs,

•   The number of feedings in the baby’s normal daily schedule,

•   Whether the baby is eating solid food, and

•   How often the baby usually nurses.

DOL anticipates that the number of necessary breaks will “typically” be two or three during an eight-hour shift (and possibly more for longer shifts).  Apparently, then, DOL would not consider total breaktime of, say, 45 to 90 minutes each workday to be out of the ordinary.  DOL also says that these breaks might not track the employee’s regular break times or meal periods.

According to DOL, employers are required to make a suitable room available for use “where practicable” (although this room need not necessarily be a permanent space dedicated to that purpose).  If it is not “practicable” to do so, the employer must “create a space with partitions or curtains” that is also otherwise appropriate under the amendment.  DOL says that employers are not complying with the break requirement if the space is so far from the employee that it is “impractical” for her to take the breaks, or if the number of employees needing to use the space means that this “prevents” an employee from taking breaks or “necessitates a prolonged waiting time”.

DOL continues to “interpret” the amendment to mean that:

♦   An employer allowing paid breaks must compensate a nursing employee in the same way it does others if she uses such a break in order to express breastmilk; and

♦   The break must be treated as worktime if the employee is not “completely relieved from duty” (apparently ascribing this to a non-existent “general requirement” in the FLSA itself).

For a variety of reasons, both the correctness of these positions under the FLSA and DOL’s authority to propound them are subject to serious question.  Nonetheless, DOL clearly intends to impose them.

These “preliminary interpretations” touch upon and seek input with respect to other subjects also, such as:

•   Whether and under what circumstances managers’ offices, locker rooms, utility closets, storage spaces, or anterooms or lounges associated with bathrooms might be adequate break spaces,

•   What approaches there might be to situations in which employees (such as drivers) do not perform their jobs at a fixed place of work,

•   How to comply with the requirement when an employee works at a client’s or customer’s place of business,

•   How the employer is to be notified about the employee’s intention to take lactation breaks (including whether a “simple conversation” should suffice), and

•   How the under-50-employee “undue hardship” exemption will apply (indications are that DOL intends to construe it very restrictively).

Although this latest release is couched as a request for public comment for DOL’s use in “formulating further guidance”, there is some hint that instead it might actually be DOL’s last pronouncement on the subject for the foreseeable future.  Moreover, DOL states that it does not intend to issue regulations “[a]t this time” (it is not apparent by what authority DOL would do so in the absence of any empowering language in the amendment itself).  Even so, employers ought to study these materials carefully and should submit their reactions and any suggestions or objections.  For one thing, a muted response risks a later argument that the “regulated community” tacitly embraced DOL’s views in their entirety.

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One-Way “Bridge to Justice” Now In Place, Handyman Insurance Quotes

Jan. 9th 2011

The U.S. Labor Department/American Bar Association lawyer-referral program we wrote about earlier is underway.  This so-called “Bridge to Justice” is now described on the U.S. Wage and Hour Division’s website.

As details continue to emerge, there is cause for heightened concern about how this will be handled.  First, it appears that the potential remains for referrals to be made under circumstances implicating neither the federal Fair Labor Standards Act nor any other law DOL enforces.

Moreover, program descriptions are replete with references to “violations”, worker exploitation, “back wages owed”, and so on that will serve as a predicate for referring an employee to a lawyer.  But the unfortunate fact is that, at least sometimes, initial DOL determinations of this kind are later shown to be based in whole or in part upon mistaken views of the facts, erroneous legal interpretations, or misapplication of the law to the facts.  In the past, it has usually been possible to work cooperatively with DOL to reach a proper conclusion in these situations.  However, it now seems that employers caught up in some appreciable number of these instances will instead have to devote their already-scarce resources to protracted litigation with unjustifiably emboldened employees and their lawyers.

A referred employee will also “get a form that will allow them or an authorized attorney representative to quickly obtain certain items from the investigation case file.”  This is part of the “special process for complainants and representing attorneys to quickly obtain certain relevant case information and documents when available.”  DOL says that whether some kinds of information will be released will depend upon the scope of disclosures permitted by the Freedom of Information Act and other provisions, but at present this is cold comfort.  It remains to be seen to what extent and in what ways the flow of information and materials to employees’ lawyers will be limited.  While employers must of course abide by their legal obligations in connection with DOL investigations, the existence of this “special process” should cause management to be cautious both in deciding what documents and information will be provided to investigators and in judging how and under what circumstances these things will be disclosed.  For example, employers should be prepared to assert at the very outset the confidential nature of financial and employment-related information.

We have seen no reference to any new “special process” whereby employers can secure case information from DOL’s files.

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Handyman Nature Of DOLs “Right To Know” Remains Largely Unknown

Jan. 8th 2011

The U.S. Labor Department’s most-recent regulatory agenda now targets April 2011 for the release of a proposed rule that DOL says is intended to, among other things, “update [federal Fair Labor Standards Act] recordkeeping requirements to foster more openness and transparency in demonstrating employers’ compliance with applicable requirements to their workers, to better ensure compliance by regulated entities, and to assist in enforcement.”  Elsewhere, DOL has stated that this forthcoming “Right To Know Under The Fair Labor Standards Act” would address “notification of workers’ status as employees or some other status such as independent contractors, and whether that worker is entitled to the protections of the FLSA.”  The proposal would “also explore requiring employers to provide a wage statement each pay period to their employees,” apparently so as to convey to employees “how their pay is computed.”

These current notifications include even fewer specifics than their predecessors, about which we reported in May.  At that time, DOL expressed an intention to require employers to notify workers of their FLSA rights in some unidentified way and to provide unspecified “information” about hours worked and wage computations.

DOL also said earlier that employers would be required to prepare some sort of “classification analysis” for a worker whom the employer will “exclude . . . from the FLSA’s coverage,” to disclose this analysis to the worker, and to provide the analysis to a DOL investigator upon “request.”  Judging from the latest notices, this is still on the table.  It is less than transparent whether such an analysis would be restricted to situations in which a worker is categorized as being or not being an employee for FLSA purposes.  For example, there is concern that it will also extend to an employer’s decisions about which employees it will treat as being exempt from the FLSA’s pay requirements.  At a May “Stakeholder Forum” in Washington, D.C., DOL officials declined to address this question.

We continue to recommend that employers remain on the alert for this proposed rule.  When it is published, employers should evaluate each provision in detail, should carefully consider all potential ramifications, and should be prepared to submit suggestions, comments, and any objections.  In light of the recent “Bridge to Justice” initiative, there is every reason to anticipate that information compiled under the requirements of any final regulation will wind up in the hands of claimants and their lawyers.

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Handyman Insurance: USDOL Targeting H-1B Pay/Benefits Compliance

Jan. 7th 2011

The US Labor Department is aggressively investigating compliance with the wage-rate and benefits commitments employers must make in an H-1B Labor Condition Application (LCA). These investigations are usually triggered when an H-1B employee complains that the employer failed to pay the LCA wage.

The H-1B program allows foreign nationals to work in the US in professional or specialty jobs.  However, the employer must attest, among other things, that it will:

◊   Pay the H-1B employee at least the prevailing wage set by DOL based upon job duties and the employment location, and

◊   Offer the foreign worker benefits comparable to those offered to US workers in the same job classification.

DOL is taking these investigations very seriously and is assessing significant liability.  For example, under a December 2010 consent order, a software consulting company agreed to pay over $638,000 in back wages and interest for LCA violations.  The company and the owner also agreed to pay more than $126,000 in civil money penalties and interest for failing to provide the required LCA notice at each work site and for seeking a penalty from H-1B employees for terminating their employment early.  The company will be debarred for a year from participating in the H-1B program.

During an investigation, DOL reviews information such as:

•   The contents of the LCA itself,

•   A statement of how the wage rate was set,

•   Documentation showing how the prevailing wage was established,

•   The original notices posted advising workers about the LCA filing,

•   A summary of the benefits offered to US workers in the same occupation,

•   Payroll records and dates of employment for the H-1B employee,

•   A copy of the H-1B petition filed with the US Citizenship and Immigration Services (USCIS),

•   Evidence that the employer notified USCIS if the H-1B employment was terminated prior to the end of the authorized period and that the LCA was withdrawn, and

•   The current or last-known address and contact information for all H-1B employees.

The investigation generally includes interviews with management officials and H-1B employees.

DOL’s main goals are (i) to determine whether the employer paid each H-1B employee the LCA wage for the period the LCA remained in effect (liability for not doing so can continue even after the employee was no longer employed but the LCA was not withdrawn); and (ii) to ensure that H-1B employees’ wages were not docked when they were ready, willing, and able to work but the employer did not permit them to do so.  If the investigator finds that the employer is in violation, DOL normally assesses liability for back-pay, any benefits shortfalls, interest, and civil money penalties.  DOL might also insist upon monitoring and auditing the company’s compliance with H-1B requirements.  In serious cases, DOL might debar the employer from using the H-1B program. Read more about USDOL, USCIS, and Immigration and Customs Enforcement audits in the January 2011 edition of our Labor Letter.

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Kubota launches Dash 4 mini excavator

Jan. 3rd 2011

Kubota (UK) Ltd Construction Equipment has launched the new generation of Dash 4 mini excavators, for plant hire firms, builders, contractors, utilities, local authorities and owner operators.

Caterpillar releases new line of buckets for the 374D and 390D Hydraulic Excavators

Dec. 23rd 2010

Caterpillar Work Tools has announced the introduction of a new line of buckets for the 374D and 390D Hydraulic Excavators. This new line of pin-on and coupler buckets feature improved designs to take full advantage of increased machine performance.

Kier Stoke takes on 80 apprentices

Dec. 22nd 2010

Kier Stoke takes on 80 apprentices: As a recognised National Skills Academy for construction, Kier Stoke, a division of Kier Building Maintenance, is serious about investing in the future of its local community and hopes to have supported 200 apprentices by the end of the project in four years’ time.

Marley Eternit Natura Pro fibre cement cladding visually transforms housing refurbishment in Liverpool

Dec. 21st 2010

A Natura Pro fibre cement overclad solution from Marley Eternit has visually transformed tired looking buildings with a low maintenance decorative rainscreen facade at a housing refurbishment in Rock Grove, Liverpool.

3M lights up largest motorway in Ireland

Dec. 20th 2010

3M is lighting up Ireland’s newest stretch of road. The M3, the largest motorway in Ireland, has recently opened, featuring 30,000 3M 301/290 Marker Series road studs. This follows an earlier project which saw 9,000 of its Marker Series 290 roadstuds chosen for a 24km stretch of highway.

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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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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Handyman Insurance

Insurance might not be the first thing someone thinks about when running a business, but it should be an important consideration.   Handyman insurance is another requirement if you are thinking about starting a handyman business.  This website provides important insurance information on Handyman Insurance Coverage and quotes.

Handyman Insurance Coverage

Handyman insurance includes several types of coverage; each one offers a specific kind of protection for your business.  

(Handyman Insurance ) Commercial Auto: Covers a business's owned, no owned, and hired autos against liability and physical damage losses. 

Handyman Workers Compensation:  If your business as a Handyman employs any staff (including part-time, trainees or sub-contractors), Employers liability insurance cover is a legal requirement.  Employers liability insurance provides protection against your legal liabilities to pay compensation in respect of injury sustained by your employees in the course of your business as a Handyman.  (Handyman Insurance) Workers Compensation: Provides coverage for an employer's responsibility in the event of a work-related injury or illness.   Employers Liability Insurance for handyman work: This type of insurance would cover payment of legal fees and damages in the event that an employee was injured or killed while doing work for you. 

Tradesman Insurance for handymen: This is a package of several different kinds of cover for handymen, making up one policy that meets all your insurance needs.

Public Liability Insurance for handyman work: This type of insurance would cover you if your business activities caused injury or death to a member of the public.

Handyman General Liability - Commercial jobs will require you to have general liability coverage of $1,000,000 to $2,000,000 prior to being hired (not to mention that you protect your assets if something goes wrong on the job).

Products liability insurance for Handymen - Products liability insurance provides protection against your legal liability, compensation costs and expenses following injury or damage by goods that you have sold, supplied, repaired, tested or delivered in connection with your business as a Handyman.  Products Liability insurance for Handymen at 1,000,000 with the option to increase to 2,000,000 up to 5,000,000 or more.  Public Liability insurance cover provides protection against your legal liability for injury to third parties and damage to their property in connection with your business as a Handyman.

Professional Indemnity Insurance for handyman work: This covers you against any mistakes you might make  including bad advice you or your staff might give  that ends up costing your clients money, and leading them to take legal action against you.

(Handyman Insurance ) Umbrella Coverage: A broader form of coverage that extends the limits of liability found in a base policy form. 

Income Protection Insurance - If the essential person should be unable to work for a period of time, this handyman insurance helps to cover the loss of business as a result of the illness or injury.  Having sufficient income protection insurance is also a worth while consideration, if you were to fall off a step ladder or hurt your back and couldnt work, accident, sickness and unemployment insurance could help you to pay for some of your monthly bills in the event of you not being able to work.

The Handyman Insurance Program gives our policyholder comprehensive coverage for their handyman businesses, and the program is designed for Handymen who: Are hired to do a variety of miscellaneous work that would be found in a residential household environment;

Please note that standard home owner's insurance will most likely not cover business assets, and may VOID your home insurance coverage.  If your business is home-based, do you need more liability coverage than your home insurance policy covers. 

The Handyman program gives our policyholder comprehensive coverage for their handyman businesses, and the program is designed for Handymen.

Handyman Insurance Quotes

Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more. Find the best Handyman insurance quotes liability commercial and small Handyman companies offering affordable monthly payment options for your handyman business and the self-employed.  Find the best Handyman insurance quotes from some of the finest and solid insurance companies who compare liability coverages based upon your own personal choices.  Get online quotes for handyman insurance now.  And it can help you save money on your handyman insurance without compromising on the level of cover you need.  The Handyman tradesman insurance policy has been crafted to cover all your Handyman insurance needs at the most competitive price.


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