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INSURANCE TOOLS FOR THE HANDYMAN AND SMALL BUSINESS CONTRACTOR

 



Handyman Insurance – Minor Plumbing

Thursday, Apr. 15th 2021 6:42 AM

Handyman/women are a good choice when it comes to do minor plumbing work: Many handymen/women are capable of completing small plumbing jobs like installing new fixtures or repairing a leaky faucet.

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Handyman Insurance – Why Would You Higher a Handyman

Tuesday, Apr. 13th 2021 6:23 AM

Home improvement jobs can seem like a never ending to do list, from changing out a bathroom faucet to replacing missing shingles on the roof. Room needs a fresh coat of paint but you do not have the time to do it yourself. Typically a handyman can do all these types of small jobs and more.

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Handyman Insurance – Why Higher a Contractor

Friday, Apr. 9th 2021 9:12 AM

As stated in a prior post, you should not turn to a handyman if you need an emergency service for plumbing, electrical or appliance work, or if the job is a large or complicated project that could take a long time to complete and requires the help of multiple workers, unless the handyman is licensed in that trade.

If an unlicensed person does plumbing or electrical work, you have no guarantee that the work has been done to code, which could affect your homeowners insurance policy or any claim related to the work. Use a contractor or specialist for remodeling work, room additions and projects that require heavy-duty equipment or licensed professionals like electricians.

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Handyman Insurance – How to Choose Between a Contractor or Handyman

Tuesday, Apr. 6th 2021 8:07 AM

Typically it is based on the scope of the job and level of skill required to complete it. You want to consider the task at hand. Is it something that will require an trades person like a plumber or electrician? If the task is something you could do your yourself then a handyman is probably the better choice.

However, a handyman is not the best option for a large or complicated project that could take a long time to complete and requires the help of multiple workers. Also it is not advised to turn to a handyman either if you need an emergency service for plumbing, electrical or appliance work, unless the handyman is licensed in that trade.

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Handyman Insurance – What is a Handyman

Friday, Apr. 2nd 2021 8:55 AM

The definition of a Handyman is: A person able or employed to do occasional domestic repairs and minor renovations.

Which is loosely defined as self-trained, while others have formal training in various aspects of construction and home repair. A home handyman might specialize in a few types of home maintenance, such as painting, carpentry, or tiling, while others may have additional skills such as plumbing and electrical expertise.

There’s no national standard or regulation for handymen. Licensing and regulation vary by state. As an example, California requires handymen to carry a license from the State Contractors License Board to work on any project that exceeds $500 in labor and material costs. Find out before you hire the handyman if he or she has the skills needed to complete your project

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Handyman Insurance – References

Wednesday, Mar. 31st 2021 3:15 PM

Make sure when hiring a Handyman that they can provide you with a list of references? That you are able to verify

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Handyman Insurance – Know the Cost and Time

Sunday, Mar. 28th 2021 3:09 AM

When hiring a Handyman make sure that before signing off on the project that you know the cost of the project and how long it will take to get done.

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Handyman Insurance – Routine Cleaning Vs Deep Cleanings.

Thursday, Mar. 25th 2021 6:37 AM

Understanding the difference between a routine cleaning (Prophylaxis) and a Deep Cleaning.    Routine/Prophylaxis Cleaning:  focuses on preventive dental care and the maintenance of healthy teeth and gums by the removal of calculus, plaque, and common stains. Normally performed twice a year by a dental hygienist or dentist along with your dental check up.    

Deep Cleaning:   is a procedure designed to help avoid periodontal disease (gum disease) Periodontal disease is caused by a buildup of calculus,and plaque on the crowns and root surfaces of teeth. It can begin as localized gingival inflammation and progress to serious disease that results in major damage to the soft tissue and the bone that supports the teeth. Left untreated, this disease progresses to the ultimate loss of teeth. http://dental4less.com/

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Handyman Insurance – Communication

Monday, Mar. 22nd 2021 6:20 AM

Ask the Handyman you may want to hire what is their preferred form of communication? Many Handyman work multiple jobs at once, therefore it is not always easy to reach out to your Handyman if you have questions. As they can not always answer a phone call as they come in. So ask other prefer ways they respond to better whether it by text, or e-mail.

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Handyman Insurance – See Their Prior Work

Thursday, Mar. 18th 2021 2:09 PM

When in the process of hiring a Handyman, ask for him or her to show you pictures of similar work then have provided to others. This is a good way of seeing the type of work they done and how well they done it.

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Handyman Insurance – Handyman Experience

Monday, Mar. 15th 2021 6:58 AM

When thinking about hiring a Handyman you may want to ask him or her just how long they been in business. Also confirm whom would be coming to do the job. Sometimes the person that you first talk to is not the person that going to do the job. Confirm that person experience for the job needed. It is true that everyone one is new at some point but you should know if you having the person doing the job is new to it.

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Handyman Insurance – Don’t Hire a Handyman Over the Phone

Thursday, Mar. 11th 2021 6:50 AM

You never want to hire a handyman service over the phone. All potential handymen need to look at the project, give you an appropriate quote and prove that he or she is the right person for the job you want done.

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Handyman Insurance – What to do if you have Tooth Pain.

Monday, Mar. 8th 2021 6:05 AM

If you have a toothache you want to use warm water to rinse your mouth out. Use floss to remove any particles around you teeth and gum. You will also want to keep your mouth closed as much as possible due to cold air will cause your tooth to hurt more. You will also want to see your dentist right away. Dental4Less.com

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Handyman Insurance – Use Your Friends and Family for References

Thursday, Mar. 4th 2021 1:42 PM

One way of finding a handyman is by turning to your friends and family. When it comes to working with handymen, an important aspect of the entire project is to find a handyman you trust. Fortunately, your friends and family would never recommend someone they did not trust or did not do a good job.

It is a good idea to refer to your friends, neighbors and coworkers for recommendations on a handyman. You could also ask past pros that you have worked with. They oftentimes have friends in the industry.

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Handyman Insurance – How to go about Researching out a Handyman

Monday, Mar. 1st 2021 6:07 AM

There may be a time where you will be looking for a plumber, painter gardener etc, you will want to do your research before committing to one. Researching a handyman is easily done when doing so on line, there are resources galore out there giving you valuable information regarding each potential hire. Some of the details you should be researching would include:

  • Average price information in your area
  • Reviews and testimonials
  • Portfolios of recent work
  • License numbers
  • Average timeline for scope of work
  • Necessary experience for project
  • According to our cost guide, most handymen cost $370/project. Use this number as a starting point for your research.
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Handyman Insurance – Do a Little Research

Thursday, Feb. 25th 2021 5:55 PM

At some point in time every house regardless of age, will have it’s fair share of maintenance issues that come up. More often than not, these little projects do not require an experienced contractor who specializes in one particular trade. Oftentimes, all you need is a reliable handyman. Yet make sure you do some research on whom you choose as your handyman.

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Handyman Insurance – What to do if you have an food lodged between teeth.

Saturday, Feb. 20th 2021 5:13 AM

Some times while eating we can get food lodged between our teeth that just does not want to come out easily.  If you are eating out at the time this can also be irritating to you and your gums.       

However never use a sharp object to remove anything from between your teeth. If this technique doesn’t work, and you can end up cracking or chipping a tooth.  Best advise, carry dental floss with you at all times. I do not suggest flossing at the table but you can do so in the restroom.

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Handyman Insurance – How to Reduce the Cost of Dental Care Services.

Thursday, Feb. 18th 2021 6:30 AM

Dental treatment can cost hundreds to thousands of dollars depending on the dental care you may need to have. Without having dental insurance your dental cost can quickly exceed what you can afford to spend on your dental care.      

However having proper dental care is vital for both your oral and dental health and your over all medical health care. Dental care should not be ignored. If you have been delaying your dental care due to cost. then you may want to consider buying a dental plan to help reduce your dental costs making dental care more affordable. visit http://dental4less.com/

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Handyman Insurance – PROP 65:

Monday, Feb. 15th 2021 6:28 AM

Proposition 65, officially known as the Safe Drinking Water and Toxic Enforcement Act of 1986, requires businesses to provide a clear and reasonable warning before knowingly and intentionally exposing anyone to chemicals that are known to state to cause cancer or birth defects or other reproductive harm. It is important to know that a product that receives certification from the United States Food and Drug Administration, or another federal agency or state agency, is not necessarily exempt from California requirements for chemical exposure warnings. Businesses should be aware of the levels of harmful chemicals in their products and of applicable Proposition 65 requirements. For more information on Proposition 65 and how to comply with its requirements, please visit https://oehha.ca.gov/proposition-65

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Handyman Insurance – Small Business Development Center

Thursday, Feb. 11th 2021 6:22 AM

You can also check in with your local Small Business Development Center
(SBDC) as well. The SBDCs provide assistance to small businesses starting or growing and offer free advice and consulting. To find an SBDC closest to you, http://americassbdc.org/home/find-your-sbdc/, they may be better equipped to advise you on local requirements.

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Handyman Insurance – California Fictitious Small Business Development Center

Tuesday, Feb. 9th 2021 3:01 PM

Small Business Development Center – You can also check in with your local Small Business Development Center (SBDC) as well. The SBDCs provide assistance to small businesses starting or growing and offer free advice and
consulting. To find an SBDC closest to you, click this link and enter your zip code: http://americassbdc.org/home/find-your-sbdc/, they may be better equipped to advise you on local requirements.

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Handyman Insurance – Fictitious Business Name

Friday, Feb. 5th 2021 2:57 PM

Fictitious Business Name – A Fictitious Business Name or Doing Business As (DBA) statement is required when: the business name does not include the surname of the individual owner(s) and each of the partners; or the
business name suggests the existence of additional owners; or the nature of the business in not clearly evident by the name of the business. This is always obtained from the county in which a business is located.

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Handyman Insurance – Building Permits

Wednesday, Feb. 3rd 2021 2:26 PM

Building Permits – Whether constructing a new building or making modifications to an existing one, most work that contractors perform require a building permit. If your business will be located in an incorporated city, contact the city. If your business will be located in an unincorporated area, contact the county.

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Handyman Insurance – Zoning

Saturday, Jan. 30th 2021 2:21 AM

Zoning – Whether you will be a home-based business or will occupy commercial space, consult your local planning department to be sure your business activities are permitted. If your business will be located in an incorporated city, contact the city. If your business will be located in an unincorporated area, contact the county.

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Handyman Insurance – California Business License

Wednesday, Jan. 27th 2021 2:17 AM

Business License – Most local governments require a business license (or business tax registration). If your business will be located in an incorporated city, contact the city. If your business will be located in an unincorporated area, contact the county.

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best handyman insurance quotes offering low cost monthly rates Find the Best Insurance

Handyman insurance quotes is available on a state by state basis in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Dist of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming. Find the best Handyman insurance quotes from some of the finest and solid insurance companies who compare liability coverages based upon your own personal choices.
Business insurance quotes Handyman Quotes

Business insurance quotes vary according to the state your business is in so you need to keep this mind when shopping for insurance.
Low Monthly Handyman QuotesLow Monthly Quotes

Your contractors license classification provides the insurance company the amount of risk and claims exposure you may incur as a result of your business.
Online Handyman Quotes

How many years of experience in the licensed classification influences your final business insurance quote.

Handyman Insurance

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

Handyman Insurance Coverage

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

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

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

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

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

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

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

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

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

Income Protection Insurance - If the essential person should be unable to work for a period of time, this handyman insurance helps to cover the loss of business as a result of the illness or injury.  Having sufficient income protection insurance is also a worth while consideration, if you were to fall off a step ladder or hurt your back and couldn’t 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.