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INSURANCE TOOLS FOR THE HANDYMAN AND SMALL BUSINESS CONTRACTOR

 



Handyman Insurance – Handymen/Employers – EIN

Monday, Jan. 25th 2021 2:13 PM

Federal Employer Identification Number (EIN) – Employers with employees, business partnerships, and corporations, must obtain a Federal EIN from the Internal Revenue Service (IRS). Businesses can obtain appropriate federal income tax forms from this location. Please consult the IRS website at
http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/Apply-for-an-EmployerIdentification-Number-(EIN)-Online

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Handyman Insurance – Handymen/Employers – EDD

Friday, Jan. 22nd 2021 2:09 PM

Employment Development Department (EDD) Registration – An employer is required to file a Registration Form within 15 days after paying more than $100 in wages to one or more employees. Please consult the California EDD website at http://www.edd.ca.gov/Payroll_Taxes/Am_I_Required_to_Register_as_an_Employer.htm#business_subject.

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Handyman Insurance – Handymen/Employers and Workers Comp

Tuesday, Jan. 19th 2021 2:03 PM

Worker’s Compensation – Businesses with employees must maintain Worker’s Compensation Insurance coverage. Consult the California Department of Industrial Relations website at http://www.dir.ca.gov/dwc/employer.htm

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Handyman Insurance – Handymen/Employers

Friday, Jan. 15th 2021 1:57 PM

For Employers – If your business will have employees, be advised of the following:

Wages, Hours, & Working Conditions – Businesses with employees must comply with laws establishing minimum standards for wages, hours and working conditions. Consult the California Department of Industrial Relations website at http://www.dir.ca.gov/dlse/dlse.html.

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Handyman Insurance – Sales and Use Tax

Tuesday, Jan. 12th 2021 1:46 PM

Sales & Use Tax – If you will be selling tangible property, consult the California Department of Tax and Fee Administration (CDTFA) for a Seller’s Permit. You may also qualify for a Resale Certificate. Note: These activities
were formerly administered by the Board of Equalization (BOE).


o Seller’s Permit info: http://www.boe.ca.gov/info/reg.htm
o Resale Certificate info: https://www.boe.ca.gov/sutax/faqresale.htm
o Tax Guide for Construction Contractors: https://www.boe.ca.gov/industry/construction.html

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Handyman Insurance – Contractor License California

Saturday, Jan. 9th 2021 11:31 AM

Contractor License: The California Department of Consumer Affairs Contractors State License Board (CSLB) administers a variety of licenses for contractors, from general contractors to specialty contractors. There is no specific “handyman license.” However, the CSLB limits unlicensed work to less than $500, including both materials and labor. Any work valued at $500 or greater requires a valid contractor license.

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Handyman Insurance – Lowest Cost is Not Always The Better Option

Tuesday, Jan. 5th 2021 10:52 AM

Sure most people want to save money which is why we shop rate/cost for many of the things we buy and do. However, when it comes to home improvement, you never want to hire the lowest bidder. There is a reason why that handyman service is the lowest bidder, whether it is for skipping corners, buying subpar supplies or delaying the work, more often than not, their quality of work will not meet your standards. Remember the old saying if it sounds too good to be true, it probably is.

That does not mean you have to over pay either. Do your homework. Check to see what is the typical going price for the job you are wanting to have done.

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Handyman Insurance – Contact References

Friday, Jan. 1st 2021 10:43 AM

It may seem odd but many people ask for reference but never reach out to them. What good are references if you do not give them a call? You should take the time to give all their references a call. You want to ask them their overall thoughts and what their communication style was like with the handyman. Ask them how they handled pressure or delays in product deliveries. If the reference is willing to oblige, ask them anything you want to know before hiring said handyman.

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Handyman Insurance – License and Insurance

Wednesday, Dec. 30th 2020 10:35 AM

Sadly there are some handymen that will lie about their contractor’s license numbers. While some states do not require such verification, others do. You may want to check with your local government to see if your state requires it and if they do, verify their number.

Additionally, you will want to make sure they have insurance. You always want to be covered should a surprise come up. Without insurance, you could be on the hook for an even bigger repair bill.

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Handyman Insurance – Cost and Payment

Saturday, Dec. 26th 2020 10:29 AM

When it comes down to payment, you should never pay for the entire project until it is 100% completed. Some pros will ask for a deposit to ensure the work, which is very common. However, if they ask for the entire payment before the project even begins, a huge RED Flag should be raised. Remember, you hold the power in the relationship. If you hand over all your cash before the project is done, that power has shifted.

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Handyman Insurance – Permits Needed

Wednesday, Dec. 23rd 2020 5:08 AM

Often times, homeowners will have to pull their own permits. When it comes to fixing the floors or repairing pipes, you do not need permits, but there are other projects that do require them. Your local government is your best source of information regarding which projects require permits and what needs to be presented during the filing.

Some handymen may offer to pull the permits for you, but it tends to comes with an added expense.

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Handyman Insurance – Avoid Miscommunication

Saturday, Dec. 19th 2020 10:01 AM

When hiring a Handyman make sure to avoid miscommunication. Often time this happens when you and your handyman do not fully agree on the scope of work that needs to take place. The end results is almost always a delay in the project or a higher bill.

Therefore make sure that before you sign an agreement that the entire project is mapped out.

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Handyman Insurance – Questions to Ask when Hiring a Handyman

Thursday, Dec. 17th 2020 9:43 AM

When looking for a handyman that is right for you and the job you have, may take a little time. Hiring a handyman is not just as simple as hiring someone over the phone. To get the job done right you will need to ask various of questions. Below are some questions you may want to ask the next handyman you are thinking for hiring.

  • How long have you been in the business?
  • What is your experience with this project? Typically you will want someone that has years of experience doing the job you want to have done, compared to someone that only did once.
  • Can you show me pictures of similar work? Being able to see they types of jobs they done and how it came out, is helpful in feeling like he or she can do your job.
  • Have you worked with anyone in the area?
  • How much will it cost and how long will the project take?
  • How did you come up with your price (see a full breakdown)?
  • Can you give me a list of references?
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Handyman Insurance – References

Monday, Dec. 14th 2020 8:49 AM

Before you go online (or pull out the yellow pages) looking for your next handyman, talk to your friend and family. When it comes to working with handymen, a main aspect of the entire project is to find someone you trust. Luckily for you, your friends and family would never recommend someone they did not trust or that did not do a good job.

Therefore a good resource for you when looking for a handyman is your friends, neighbors and coworkers. Ask them for recommendations. You could also ask past pros that you have worked with. They oftentimes have friends in the industry.

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Handyman Insurance – Before Hiring a Handyman

Friday, Dec. 11th 2020 8:15 AM

Regardless of what the job is, whether it to do a little plumbing, painting, or a honey do list. Make sure you do your research first. There are many resources online giving you valuable information regarding each potential hire. Some of the questions you will want research can include:

  • What is the average price information in your area
  • Can you fine reviews and testimonials
  • Do they have a Portfolio of recent work
  • What is their license numbers
  • What is the average timeline for scope of work
  • what is their experience for project in question.
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Handyman Insurance – Gutter Maintenance and Handymen

Tuesday, Dec. 8th 2020 3:41 PM

Although gutter cleaning and maintenance is not a hard task to take on yourself it is messy and involves climbing on the roof. Not something everyone feels comfortable doing. If you hire a handyman with the right equipment and experience, you will not have to risk injuring yourself. A handyman can also install gutter guards to prevent seasonal clogging.

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Handyman Insurance – Caulking and Handymen

Thursday, Dec. 3rd 2020 3:37 PM

Did you know that by adding a fresh application of caulk to gaps between windows, doors and siding is a great way to improve energy efficiency and lower your utility costs. Yet if you do not feel you are up to the task, this would be a good job to higher a handyman as they should be able to take on this task with no problems.

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Handyman Insurance – Handyman for Minor Plumbing Work

Saturday, Nov. 28th 2020 3:33 PM

If you have minor plumbing jobs like installation of new fixtures or a repair of a leaky faucet a handy many may be a good choice for the job. Many handymen are capable of completing small plumbing jobs.

However, if you have a more complex project such as relocating plumbing within the home that should be left to a licensed plumber.

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Handyman Insurance – Handyman or Contractor

Wednesday, Nov. 25th 2020 3:11 PM

How do you know if you need to higher a handyman or contractor for a job? Generally you know by the scope of the job and level of skill required to complete it.

Example: If you need to have a specialized trade done such as pluming repairs or electrical issues you should higher a plumber or an electrician for such work. Yet if it a job that you feel you could do yourself but prefer not to hiring a handyman is probably a good choice.

What you do not want to do is higher a handyman for us any emergency service for plumbing, electrical or appliance work, unless the handyman is licensed in that trade. If a unlicensed person does plumbing or electrical work, you will not have a guarantee that the work has been done to code, which could affect your homeowners insurance policy or any claim related to the work.

There for you would want to 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 – Make More Money Selling Your Home

Thursday, Nov. 19th 2020 2:19 PM

One way to get a better price for your home is by doing home remodels and renovations. Home remodels and renovations can definitely pay off if you plan carefully. Make sure to ask a local realtor about what improvements in your home will help it sell. Repairs, along with upgrades in the bathroom and kitchen, far outweigh other renovations and add-on projects you could undertake. By planning ahead and understanding how your renovation project will affect your bottom line, as well as home value, you are protecting your investments and your money in the process.

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Handyman Insurance – Going Green with Your Home

Saturday, Nov. 14th 2020 5:03 AM

Right now for many people it is all about going green. Yet going green is not such a bad idea in many cases with regards to your home improvements. Going green can make good financial sense. You can save money in the long run with energy efficient appliances, windows, doors and more. In some cases, you can also get tax breaks on these energy efficient products too.

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Handyman Insurance – Itemized Quote

Tuesday, Nov. 10th 2020 1:45 PM

When shopping for a Handyman you want to get an itemized quote, keeping in mind that quotes should always be free. If during your search you run into someone that wants to charge you for going out to your home in order to provide a quote, you should tell them you are not interested and continue looking for someone else.

Once you are provided a quote, ask for a breakdown of the cost of materials and the cost of labor so you know exactly what you are paying for. You will want to get quotes from a handful of handymen this way you are able to compare labor costs for the best deal.

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Handyman Insurance – Read Reviews on the Handyman

Friday, Nov. 6th 2020 7:37 AM

We talked about leavings reviews in a prior post, but where can you leave and read reviews on a handyman? There are a number of free services such as Yelp.com, Google, Angies List even BBB (Better Business Bureau) that can provide ratings for many contractors in your area. By reading the reviews on the contractors you will get a much better idea of how the contractor performed for other customers and if they may be right for you.

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Handyman Insurance – Handyman and Dental Insurance

Tuesday, Nov. 3rd 2020 5:13 AM

If you are a handyman you know missing out on work is typically not an option. Yet many people miss out on work due to dental pain issues. According to one study, one in five people say they would be prepared to call in sick because to a toothache. Yet if you are a self employed handyman this could make you lose money you can not afford to miss out on.

One way to avoid this is simply good at home dental care habits. The better you take care of your teeth at home the less likely you are to have larger dental care issues that can keep you away from work.

Another way is to make sure to see your dentist for your regular check ups. So that a dentist can spot a dental care issue and fit it before it becomes a larger problem making you miss out one work.

Therefore it is a good idea to have dental insurance to help lower your dental care costs. People with dental insurance are also more likely to maintain regular dental check ups. visit dental4less.com where you can get dental insurance quotes in your area quick and easily without answering tons of questions about yourself or your family, before receiving plan pricing and information.

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Handyman Insurance – Doing Your Research

Friday, Oct. 30th 2020 11:04 AM

Before starting on a home repair or home project take some time to do your research on your project needs. Access to information on almost anything is available to you with the use of the internet.

Do not be afraid to use the internet as it makes it easy to research virtually any topic. Say you need a door replaced, or water heater installed, maybe you want a new toilet, or any other home improvement project simply go online and use your favorite search engine (such as google, bing, duckduckgo etc) and typed your project and add research.

From there you will have access to a wealth of information about your project and be able to learn how and why you should continue with the project. Knowing more about your project needs beforehand will help in your conversations about the project. You will also be familiar with some of the home improvement terms that the contractor will most likely use.

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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 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.