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INSURANCE TOOLS FOR THE HANDYMAN AND SMALL BUSINESS CONTRACTOR

 



Archive for the 'Life Insurance' Category

Getting Handyman Life Insurance Quotes Online

Jun. 12th 2010

As a consumer interested in life insurance, simply fill out the online form and request online life insurance quotes.  Another advantage when you visit us for online life insurance is that we keep all your information private and any insurance entities we work with must adhere to our strict privacy policy as well.   It only takes minutes to obtain a life insurance quote on our site and in return you can be provided with a lifetime of protection and an affordable life insurance rate.

When you pursue online life insurance in search of a life insurance quote, note that many insurers offer term insurance policies providing level premiums of 5, 10, 20 and 30 year terms.  Obtain instant life insurance quotes and information online without talking to anyone.   We partner with some of the most respected life insurance companies in the industry to bring you the lowest possible life insurance rates.  In addition, we enable you to do all of your comparison shopping conveniently on one website by providing you with free quotes on life insurance rates.

When Should I Buy Life Insurance for a Handyman Business

Jun. 10th 2010

Consider the following scenarios when deciding to purchase life insurance as a handyman:

Were recently married or divorced
Have a child or grandchild who was recently born or adopted
Provide care or financial help to a child or parent
Want to ensure that financial resources are available to provide assistance or long-term care for a loved one
Purchased a new home recently
Have children or grandchildren who are about to enter college
Refinanced your home mortgage in the past six months
Receive an inheritance
Retired or your spouse has retired
Have started a business
Need the tax advantages of life insurance.

How is Handyman Life Insurance Priced and Rated, How Does Life Insurance Work

Jun. 7th 2010

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, and weight, health status, including whether or not you smoke, participation in high-risk activities or occupations.

Finding affordable life insurance coverage when you have a preexisting medical condition can be quite difficult.  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.

Life Insurance, Handyman Insurance Quotes for Key-Person

Jun. 2nd 2010

If you already have a life insurance policy, it’s a good idea to review it every few years to make sure it still meets your needs.  If you’re planning to increase your total life insurance, it’s generally better to keep your old policy and increase its face amount if you can, or simply add a new policy.  On our site, you can find the policy that’s best 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 very specific 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 which is covered by the policy.

Generally, the purpose of life insurance is 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 main money winner in the family.

Life Insurance for Handyman, Where to Find Handyman Insurance

May. 27th 2010

Life insurance is a legally binding contract between the insurer (a company) and the policy owner (insured).  Life insurance shoppers can obtain free quotes on term life insurance instantly from leading life insurance companies.  In the event of your passing, life insurance provides money directly to your beneficiaries.   The person(s) named by the owner of the policy to receive the life insurance proceeds upon the death of the insured.

Some life insurance policies can help you pay for major expenses like college tuition and estate expenses, or provide additional income for retirement or emergencies.  In addition to being financially secure, the life insurance company you choose should have a good claims payment history, good customer service and competitive pricing.

Handyman Life Insurance Tips, Understanding How Life Insurance Works

May. 22nd 2010

Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a designated beneficiary a sum of money upon the occurrence of the insured individual’s or individuals’ death or other event, such as terminal illness or critical illness.  Life insurance is never taxed when it passes on to a beneficiary.

Life insurance is a great instrument for assuring your family’s financial stability no matter what happens to you.  Life insurance is basically just money  if the insured lives, it is called savings and if he dies, it is called life insurance. Life insurance that does not build up cash value and provides coverage for a specified period of time. Life insurance is one way to help protect yourself as well as your savings. The life insurance companies are the largest institutes in the World, even bigger than oil and that to me is a solid company to be putting my money on rather than a stock market where you have no guaranteed return on investment, especially when the market crashes

Handyman Insurance, Optional Home Business Insurance Coverages

May. 20th 2010

Insuring your homebased business is easier than ever.  Optional Home Business Insurance Coverages  For an extra premium, you can beef up your Home based Business insurance policy by adding: Umbrella Liability protects your business against the costs of catastrophic lawsuits.  Therefore, you may need home based business insurance.

There are a few different home based business insurance options available for you to consider.  If you own a home business, your home based business insurance will be tax deductible.  Therefore, depending on the type of business that you run, you may need a home based business insurance policy. You may want to consider liability insurance for your business if there is a chance that your product may injure someone or if someone could become injured while visiting your home business.

They are the experts and they can point you in the right direction as far as home based business insurance.  Several home-based business owners own their own homes, and presume that their home based business insurance also covers their home-based business activities.  Not only is this not true, but your home based business insurance activities can annulled your home insurance.  While several home based business insurance owners rely on their home insurance to wrap damage, loss and theft of possessions, all home-based businesses should have contents insurance as well to the contents and or possessions insurance offered by the owner’s house insurance.

Handyman Insurance Starts New Blog

Mar. 26th 2010

HandymanInsurance.com started a new blog in late April 2010 to help provide a community forum and discussion for the needs of small business contractors and the handyman construction industry. We hope you will share your experiences – good and bad with us.

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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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.