Archive for the 'Roofing Contractors' Category

Two licensed roofing contractors advertised themselves as unlicensed contractors

Aug. 16th 2010

A Contractors State License Board (CSLB) sting netted 16 suspects for unlicensed contracting and related violations in Big Bear City on July 22, 2010, and CSLB is warning homeowners to take precautions when hiring people for home improvement projects. The San Bernardino County Sheriffs and District Attorney’s Office, along with the California Department of Insurance, assisted CSLB in this operation.

Members of CSLB’s Statewide Investigative Fraud Team (SWIFT) posed as homeowners and invited suspected unlicensed operators to bid on painting, landscaping, concrete, and tile projects. If the suspects bid more than $500 for a job and did not have a license, they received a notice to appear (NTA) in San Bernardino County Superior Court to face misdemeanor charges of contracting without a license and related violations. California Business & Professions Code (B&P) requires a state contractor license for home improvement jobs valued at $500 or more in labor and materials. Fifteen of the 16 also face charges of illegal advertising, and six of them will answer to charges of soliciting an excessive down payment.

B&P Code requires contractors to include their license number in all advertisements. Those without licenses are permitted to do work valued at less than $500, but must state that they are not licensed in their ads. B&P Code also prohibits contractors from soliciting a down payment greater than 10 percent of the total contract price or $1,000, whichever is less. There is an exception to the down payment provision for about two dozen contractors who purchase special consumer protection bonds and are noted on the CSLB website.

In addition to contracting without a license, illegal advertising, and soliciting an excessive down payment, Oscar Quinonez Gutierrez, of San Bernardino, faces misdemeanor charges for attempting to use a license not issued to him. Nikolas James Strich, of Irwin Lake, and Bradley Steven Slovick, of Lucerne Valley, were booked on outstanding warrants for failure to appear in court.

Two licensed roofing contractors advertised themselves as unlicensed contractors and showed up to at sting to bid on a deck project. They received warning letters for contracting for a home improvement project outside of their specialty classification and illegal advertising.

CSLB recommends that consumers always get at least three project bids from licensed professionals and check out the contractor license on CSLB’s website to be sure it is in good standing. “Homeowners should also be aware that if they do hire somebody without a license, there is a tremendous risk,” said CSLB Registrar Steve Sands. “These scammers do not carry workers’ compensation insurance and the property owner could be liable if the illegal operator or their employees are injured during the project.”

CSLB urges consumers to remember the following tips when hiring a contractor:

  • Be especially hesitant when approached by someone offering home improvement services door-to-door.
  • Verify the contractor license by checking online at www.cslb.ca.gov, or via CSLB’s automated phone system at 1-800-321-CSLB (2752).
  • Ask to see a photo identification to make sure you’re dealing with the correct person.
  • Don’t pay more than 10% down or $1,000, whichever is less. There is an exception to this for about two dozen contractors who have special bonds for consumer protection that are noted on the CSLB website.
  • Don’t pay in cash, and don’t let the payments get ahead of the work.
  • Check references, and get at least three bids and a written contract before your project begins.
Posted by Handyman Insurance | in Handyman News, Roofing Contractors | No Comments »

Choosing the Right Handyman Auto Insurance Coverage

Jul. 12th 2010

Choosing the Right Insurance Coverage – Particular states only require motorists to purchase liability policies which only cover the losses caused by the policyholder to another party and at very low limits. For example, according to the California Department of Insurance, motorists are only required to carry a liability policy with minimum limits of $15,000 for bodily injury to one person, $30,000 for bodily injury per accident and $5,000 for property damage.

Anybody who knows what a weekend in a hospital costs is well aware that $15,000 will probably not cover the costs; purchasing higher limits can protect policyholders from being held liable and/or sued for any amount that exceeds the policy limits. States such as Florida require motorists to maintain Personal Injury Protection (PIP) in the amount of $10,000 which covers the injuries of the insured regardless of who is at fault for causing the traffic accident; just as mentioned, this amount can easily be exhausted which can lead to the policyholder left with big medical bills that may only be recovered through litigation.

Higher limits can be purchased and may be worthwhile following a serious injury. This type of coverage is voluntary in many states and could be beneficial, especially to those who do not have a healthcare plan. Uninsured and Underinsured Motorist coverage is not made mandatory in many states and some states will require insurance providers to offer this protection, but give consumers the right to waive it. Unfortunately, many motorists do choose to waive it in order to save a few dollars on their premiums, but this is a valuable option on a policy.

If a motorist is struck by a driver who is uninsured, does not have coverage or if victim of a hit and run then this protection will kick in and compensate the policyholder which can give good peace of mind following an accident. Although paying as little as possible is tempting when purchasing a policy, choosing less protection can end up being far more costly.

Handyman Insurance, What is the Central Contractor Registration (CCR)?

Jun. 5th 2010

Central Contractor Registration (CCR) is the primary registrant database for the U.S. Federal Government. CCR collects, validates, stores, and disseminates data in support of agency acquisition missions, including Federal agency contract and assistance awards. Please note that the term “assistance awards” includes grants, cooperative agreements and other forms of federal assistance. Whether applying for assistance awards, contracts, or other business opportunities, all entities are considered “registrants”.

Both current and potential federal government registrants are required to register in CCR in order to be awarded contracts by the federal government. Registrants are required to complete a one-time registration to provide basic information relevant to procurement and financial transactions. Registrants must update or renew their registration at least once per year to maintain an active status. In addition, entities (private non-profits, educational organizations, state and regional agencies, etc.) that apply for assistance awards from the Federal Government through Grants.gov must now register with CCR as well. However, registration in no way guarantees that a contract or assistance award will be awarded.

CCR validates the registrant information and electronically shares the secure and encrypted data with the federal agencies’ finance offices to facilitate paperless payments through electronic funds transfer (EFT). Additionally, CCR shares the data with federal government procurement and electronic business systems.

Please note that any information provided in your registration may be shared with authorized federal government offices. However, registration does not guarantee business with the federal government.

See for additional information: http://www.mbda.gov/?section_id=4&bucket_id=156&content_id=3676&well=entire_page

Handyman Workers Compensation

Jun. 4th 2010

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.  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 solid insurance companies who compare liability coverages based upon your own personal 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.

Handyman Insurance, Factors Determining the Cost of Business Auto Insurance

Jun. 3rd 2010

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 there are others who find premiums to be 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 looking to see how much does auto insurance cost it is important to understand what an insurer is analyzing to determine premiums. Probably the biggest factor used to calculate a premium is a driver’s record; this is a big indication of a motorist’s driving habits and their likelihood to be involved in a loss and ultimately cost the carrier monetarily. Therefore, if a driver has a history of tickets and accidents they will probably end up paying more in premiums than those that 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 there are many additional factors that 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 the 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.

HandymanInsurance.com, Explains Workers Compensation, Insurance Coverage

May. 31st 2010

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. 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 in the event that an employee was injured or killed while doing work for you. Our Handyman Insurance Program gives our policyholder 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 an insurance policy carried by businesses that covers the medical costs and a portion of lost wages for an employee who is injured on the job.

HandymanInsurance.com, Compare Florida Business Auto Insurance Quotes and Rates

May. 30th 2010

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.

Handyman Insurance, Why 1.3 million Cal kids lack health insurance

May. 29th 2010

The nation has 8.6 million children who lack public or private health insurance and 1.3 million of them are in California, Families USA, a Washington-based advocate for expanded health access, says in a report based on new census data.

California, the nation’s most populous state, is just behind Texas in the numbered of medically uninsured children, Families USA says, and at 12.5 percent has the nation’s 12th highest rate. Texas is No. 1 at 20.5 percent.

Families USA, confirming previous reports, says that 88.2 percent of uninsured children come from families with at least one working adult. Families without earned income usually qualify for one of the public medical plans such as Medi-Cal. It’s been estimated that more than 6 million of the state’s 38 million residents lack health insurance.

Last year, Gov. Arnold Schwarzenegger tried and failed to gain legislative approval of a plan to cover virtually all of California’s uninsured residents. The full Families USA report is available here.

Handyman Insurance Concerns, Why is single-payer health reform not viable?

May. 28th 2010

When it comes to health care reform in America, there is a relatively simple solution that will cover everyone’s basic health care, control costs and save businesses, most people and the country a lot of money.

It’s called a single-payer health plan, where the government collects taxes to finance national health insurance. The government, which is the “single payer,” covers all citizens and pays the bills when they visit private (or public) doctors, hospitals and other facilities for medical care.

All would have basic coverage, regardless of whether they have a job, or where they work. Nobody gets billed for basic care. No-body goes broke because of medical bills.

Yet this option has been declared “off the table” by Sen. Max Baucus, D-Mont., who’s among those leading the charge for health care reform in America.

Top Democrats who will be deciding policy in America in 2009, including Baucus and President-elect Barack Obama, say single-payer is “not politically feasible,” because the public won’t strongly support it.

What they really mean is that when it comes to health care reform, they don’t want a political fight with some of the nation’s most powerful financial interests, which have the resources and the motivation to turn public opinion against meaningful reforms.

These interests include the health insurance industry, pharmaceutical drug companies, some hospitals, highly paid medical specialists, medical suppliers and others who now profit handsomely from our current system – and who could no longer command those profits under a single-payer system or an alternative form of a national health plan.

Additional Ways to Reduce MI Handyman Car Insurance Rates

May. 26th 2010

Additional Ways to Reduce MI Car Insurance Rates

Consumers looking to find lower premiums should become knowledgeable about auto insurance and how rates are affected and why it is important to shop around. First of all, according to the Michigan Department of Energy, Labor and Economic Growth there are approximately 65 licensed insurers in the state and each one is competing against each other in order to acquire new business; with competition comes the chance of finding an insurer with cheaper rates.

Although carriers determine their own rates, they are regulated by the state law which prevents for premiums from being excessively high and insurers are prohibited from communicating with one another in regards to the rates that they are setting. Therefore, each company will have a different pricing schedule which makes comparison shopping that much more important.

In addition to shopping around for a company that can offer the lowest rate, it is important that motorists shop diligently and wisely. When obtaining quotes from various companies be sure to address any and all discounts which may be applicable to your situation; a discount can reduce premiums significantly and combined with other discounts the savings can be substantial.

Handyman Insurance, Finding Good Business Auto Insurance Policies

May. 24th 2010

Determining if you need commercial auto insurance can be confusing as the decision-making process contains a large amount of variables.  These are questions you will come across 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.  In my opinion, the risk of a serious 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 personal 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 are relying on either a personal auto insurance or personal umbrella liability policy to provide you with protection for your company’s use of vehicles, look closely at the provisions, as business-related liability may be excluded.

Commercial vehicle insurance policies offers much more coverage options much more relevant towards the needs of a business.  Your personal auto policy will exclude coverage for commercial uses of your vehicle.   Many small-business owners believe that if their car is in their personal name then commercial coverage is not necessary and their personal auto policy will cover the auto.

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.

What Are The Common Types of Handyman Business Insurance

Apr. 27th 2010

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 business.  If you produce goods, you may want to look into purchasing product liability insurance.

This goes beyond general liability because it protects you in case your products, once out there in the world, cause injury to customers.  General liability insurance is a type of business insurance that covers any issues that arise concerning you 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.

Types of Handyman Insurance

Apr. 26th 2010

There are several types of handyman insurance coverages available.  The type of coverage required depends on the business and state that you operate.  Each business has separate needs.  As you will see, there are many business insurance coverage options available.  This article will provide you with business insurance types and descriptions.

Business owners providing services should consider having professional liability insurance (also known as errors and omissions insurance).  However, homeowners policies only go so far in covering home-based businesses and you may need to purchase additional policies to cover other risks, such as general and professional liability.  A BOP is a package that bundles property and liability insurance together through one affordable premium.

These exposures could include liability arising out of accidents resulting from the premises or the operations of an insured, products sold by the insured, operations completed by the insured, and contractual liability.  The most common types of commercial insurance are property, liability and workers’ compensation.  In general, property insurance covers damages to your business property; liability insurance covers damages to third parties; and workers’ compensation insurance covers on-the-job injuries to your employees.  If someone sues you for personal injuries or property damage, the cost of defending and resolving the suit would be covered by your liability insurance policy.

Malpractice insurance, or professional liability insurance, pays for losses resulting from injuries to third parties when a professional’s conduct falls below the profession’s standard of care.  Then you should consider getting product liability insurance to protect your business from liability resulting from the product’s nonperformance.  Professional liability insurance protects both you and your clients.  “Property and Liability insurance are essential for all small businesses, but Business Interruption, Key People, or Disability insurance can also make the difference between having to close down and being able to carry on.

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.
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.


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