It is a violation of California Business and Professions (B&P) Code to undertake any home improvement job valued at more than $500 for labor and materials without a state contractor license. Contractors must put their license number in all advertisements. Unlicensed contractors may advertise to do home improvement work valued at less than $500, but must state in their ads that they are not licensed contractors.

Many dental insurance providers do offer implant insurance, but often it is more expensive than insurance without implant coverage, and there are other considerations you need to make before signing up for the surgery. Coverage under your medical plan may be possible, depending on the insurance plan and/or cause of tooth loss.

Detailed questions about your individual needs and how they relate to insurance should be discussed with your dentist and your insurance provider. Before you sign up for dental implant surgery, you need to make sure that your dental insurance plan has dental implant insurance. Dental insurance does not automatically come with insurance for implants. If you are uncertain, please read your policy or check with your insurance provider.

The cost of dental implants without insurance coverage, dental implant insurance to be exact, can cause significant problems for your family’s budget!

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.

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.

When applying for CGL type policy keep in mind rates and coverages vary from state to state. You need to remember generally the rates are determined based on your gross receipts. There is a reason for this according to the insurance companies as their thinking is the more you make, the more jobs you are doing, then the more exposure your create for yourself and the insurance company

3. Contractors General Liability Insurance is mainly used by contractors who do a variety of work within a specific type of construction or remodeling such as home builders or road construction.

2. Contractors General Liability Insurance is a liability insurance policy which is used specifically for coverage in the construction and building trades.

Contractors Liability is a contract of insurance tailored specifically for those undertaking contracting work.  Contractors Liability Insurance is actually a form of Commercial General Liability (CGL)insurance tailored for the construction contractors market.

1. Contractors liability coverage is a critical component to any Contractor’s insurance program.

General Liability Insurance and Business Liability Insurance for all types of business, contractors, professionals.  General liability insurance is not a ‘one size fits all’ solution: the size, goals, industry and field of a business have a lot of bearing on how much and what kind of general liability insurance is needed.  General liability insurance is something every business can use, but not every business has this basic security in place.

General liability insurance is often necessary when private contractors or temporary employees are giving care or working on your premises.  General liability insurance can come as a component of a business-owner’s policy or it can be purchased separately.  General liability insurance is a type of commercial insurance that aims to cover financial losses arising from any physical injury or damage of property which is caused by the insurer or the employees of his company to others.  General liability insurance is also provided in cases of theft or any damage to the hardware or software of computers in the concerned company.

Handyman Decisions on Buying Commercial Auto Coverage

If your company is incorporated or if you are a contractor, electrician, plumber roofer or any other artisan contractor or handyman Commercial Auto Insurance is a must for you.  Commercial auto insurance is one of the most important aspects of your business insurance program.  Commercial auto insurance and commercial truck insurance, including tow truck insurance are offered in 50 states.  We’re one of the largest commercial auto insurance providers in the nation, and we have an A+ rating. We have partnered with industry leaders to help you find the best rate for commercial auto insurance.

We insure many types of commercial vehicles including businesses autos, commercial vans and trucks, heavy trucks, trailers, buses and more. Our goal is to give consumers all the information and resources they need to make informed auto insurance decisions. Working with only the most respected names in the industry, we specialize in creating a wide variety of customized packages for both your business and personal insurance policies.  We offer special benefits designed specifically for our commercial auto insurance customers including discounts, competitive rates, exceptional claims service and more.

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.

Small Business Administration (“SBA”) published a lengthy final rule that implements the long-awaited small business regulation changes mandated by the National Defense Authorization Act (“NDAA”) of 2013. The rule makes a number of very important changes affecting Federal contractors.  One of the more important changes makes it easier for small businesses to form joint ventures (JVs) to compete for government procurements and removes prior, and often confusing, restrictions.

A JV will now be considered as a small business for Federal procurement purposes as long as each individual JV partner would qualify alone as a small business under the relevant contract.  Essentially, this rule expands the exception to affiliation for all joint ventures where both concerns making up the JV are individually “small.” Of course, each small business must not otherwise be affiliated for different reasons.

Currently, in addition to the exclusion from affiliation given to an 8(a) protégé firm that joint ventures with its SBA-approved mentor for any small business procurement, there is also an exclusion from affiliation between two or more small businesses that seek to perform a small business procurement as a JV where the procurement is bundled or large (i.e., the value of the procurement is greater than half the size standard corresponding to the NAICS code assigned to the contract – for revenue based size standards, or $10 million for employee-based size standards).

The new rule, however, expands and clarifies this exception to affiliation, allowing small businesses to joint venture as long as both are small, regardless of the value of the procurement.  Thus, the size of the procurement no longer presents a restriction.

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.

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.

Back in late April 2010, HandymanInsurance.com started our blog in order to help provide a community forum and discussion for the needs of small business contractors and the handyman construction industry. We hope during that time and now, you share your experiences – good and bad with us.

May Pay Up To 100% Of Preventative Dental Care

Insurance providers will pay up to 100% of preventative dental care. Dental insurance is intended to help offset the costs associated with dental care. Dental Insurance Plan Choices: Indemnity Plan: An indemnity dental insurance plan allows you to select your own dentist. Dental insurance plans differ in the level of reimbursement offered for certain procedures and in annual dental spending caps.

The dental insurance programs listed are based upon the zip code you entered and their availability. Dental insurance plans play a big role in helping people cope with dental health care without the exceedingly high costs. Dental insurance benefits for the most part have remained at the same level for more than two decades, leaving patients to pick up any added costs out-of-pocket.

The Small Business Administration (“SBA”) has had a very busy week. First, on May 24, 2016, the agency issued “Statement of General Policy No. 3” (“the Statement”) clarifying the hotly debated inter-affiliate sales exclusion (an issue relating to the counting of annual receipts for purposes of determining size). Then, yesterday, the agency published a lengthy final rule, which implements the long-awaited small business regulation changes mandated by the National Defense Authorization Act (“NDAA”) of 2013. Collectively, the Statement and the rule make a number of very important changes affecting Federal contractors. Some of the most important changes are:

• Changes regarding small business self-performance requirements and limitations on subcontracting pursuant to 13 C.F.R. § 125.6 (which we previously wrote about when the SBA issued its proposed rule, in December of 2014, and blogged about all the way back when the 2013 NDAA was enacted);

• Expansion of exception to affiliation for all joint ventures where both concerns are individually “small” in connection with 13 C.F.R. § 121.103(h);

• Clarification regarding what types of familial relationships will result in a rebuttable presumption of “identify of interest” affiliation pursuant to 13 C.F.R. § 121.103(f) (previously discussed here);

• Addition of a rebuttable presumption of “identify of interest” affiliation pursuant to 13 C.F.R. § 121.103(f) based on 70% economic dependence between companies (previously discussed here);

• Clarification regarding the calculation of annual receipts pursuant to 13 C.F.R. § 121.104, and, specifically, the exclusion from that calculation of inter-affiliate sales from a broader variety of affiliates;

• Clarification regarding recertification following a merger or acquisition of a small business pursuant to 13 C.F.R. § 121.404(g)(2)(ii);

• Changes regarding HUBZone certification pursuant to 13 C.F.R. § 126.200; and

• Changes regarding who may file a size protest pursuant to 13 C.F.R. § 121.1001(a)

Unfortunately, the expansion of the Mentor-Protégé program – which everyone has anxiously been awaiting since the proposed rule was issued back in February, 2015 – was not addressed. In a March 4^th interview, SBA’s Associate Administrator of Government indicated that the mentor-protégé final rule should be issued this summer, with a pilot program to start in the fall.

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.

The only way to make sure that a motorists is not paying more than they should for automobile coverage is to shop around and do so diligently. There are numerous companies in AZ and each is likely to charge a particular motorist a different amount based on the various factors used to rate applicants.

The more auto insurance companies a consumer finds, the better chance they will have locating the carrier that can offer the cheapest premium; check local newspapers for advertisements, look in the phone book and surf the Internet to contact numerous providers and get as many quotes as possible to ensure a that large amount of rates are found to compare from. It is also a good idea to ask friends and relatives for referrals as well since they can describe their personal experience with the carrier; sometimes a quality insurer is as important as a low price.

When comparing different companies, there are a few important details to keep in mind in order to make a comparison effective. As motorists obtain quotes from various carriers it is vital that the quotations received from each is based on the same level of protection; comparing rates for the minimum requirements from one company and higher limits from another may lead an individual into believing that the one company offering less protection is cheaper when in fact the other would be based on the same coverage. One other important issue to remember is discounts; according to the Arizona Consumer Guide to Automobile Insurance residents should look for the following discounts:

Good Driver
Multiple Vehicles
Anti-theft Devices
Safety Features
Good Student
Driver Education
Low Mileage

Motorists should be aware that more discounts may be offered and some companies will reduce different percentages for a discount than another. In addition, be sure to inquire about any discounts, they may not always be offered or the insurer may not be aware of certain aftermarket features an automobile may have such as an alarm or Lo-Jack

The “good driver and student discount” may be among the most common and can reduce rates quite a bit, but there are others available that a person may not even be aware is offered. Some discounts are automatically applied by insurers for such things as owning a vehicle equipped with safety features or anti-theft devices; individuals who put an aftermarket anti-theft device may have to provide proof of installation such as a receipt to receive a discount. Another type of savings that may be available is by having two vehicles (multi-car) or an automobile and home (multi-line) on the same policy.

The most recent way for Californians to save on automobile coverage is the Pay-As-You-Drive option. The California Department of Insurance just recently approved two carriers to provide premiums based on the actual mileage driven rather than an estimate given by the insured. The option to purchase this type of coverage will be available beginning February, 2011 and will be offered by two carriers. One of the companies that is going to provide the pay-as-you-drive option estimates that approximately 25% of current policyholders will choose this coverage and will save customers around $31 million dollars; it is thought that savings would be in the 5% range.

Handyman California Auto Insurance Discounts: The price of automobile coverage in the Golden State can be down right unaffordable for some residents, especially for those who may be newly licensed, have blemished driving records, or simply own an expensive vehicle. Fortunately, a number of the car insurance companies offer motorists multiple discounts for numerous reasons, and taking advantage of any that are applicable may end up saving a Californian a great deal of money. Consumers should become aware of all of the types of rate reductions offered by insurers to help make the cost of policies as affordable as possible.

One of the most common discounts available to CA motorists is the good driver discount. If a motorist has a clean history they can have premiums reduced in the area of 20%, which is a substantial savings. Unfortunately, many drivers have received tickets or been involved in traffic accidents and may not be eligible for the “good driver discount”, however, there are other savings available that can lower rates. Many teenagers who have just obtained their driver’s license will likely be charged exorbitant prices for policies and since being considered a “good driver” usually means that the motorist has been licensed for at least three years and have maintained a clean driving record; this is not possible for 16-18 year olds. The good news is that there is a good student discount that is offered by California auto insurance companies to students who have a 3.0 grade point average or higher and can help with the price of coverage.

Buy It As An Insurance Package

Indemnity dental insurance is an insurance package where the policyholder can choose his or her own dentist and the insurance provider will be the one to pay that designated dentist your fees or, usually, around half of them. Indemnity Dental Insurance Plans: this type of dental plan pays the dental office (dentist) on a traditional fee-for-service basis.

There are several features of indemnity dental insurance plans for individuals that make these plans different from many other types of dental coverage: Insurance providers will pay up to 100% of preventative dental care. Indemnity dental insurance is an insurance package where the policyholder can choose his or her own dentist and the insurance provider will be the one to pay that designated dentist your fees or, usually, around half of them.

Indemnity Dental Insurance Plans, this type of dental plan pays the dental office (dentist) on a traditional fee-for-service basis. Features of a dental insurance indemnity plan: there are several features of indemnity dental insurance plans for individuals that make these plans different from many other types of dental coverage.

Comparing a vast number of quotes is generally considered to be a very effective way of finding inexpensive coverage. The differences that typically exist between insurers can often be used by motorists to help save money. In many situations drivers would contact companies individually to view sample rates, but this can be time consuming for someone looking to research many different insurers. To save time, vehicle owners may want to consider going online to shop for coverage. Tools available on the World Wide Web can help gather potentially dozens of estimates in only a matter of minutes. Including discounts into this research may even decrease premiums even more so.

Rate reductions may be available from an insurer for a variety of reasons. Of the 9 Ways to Lower Your auto insurance Costs the Insurance Information Institute lists discounts as an affective and simple way to lower premiums. Of the savings that are commonly available, motorists can usually find price reductions for keeping a clean driving record, insuring multiple vehicles on the same policy, maintaining good grades if a student, taking a defensive driver training course, driving a car with special safety features or installing a passive security device. Motorists should note that often insurers are competitive and sometimes offer special savings for unique reasons. It is usually recommended that vehicle owners contact multiple companies to determine which discounts are available.

Many people like to save money whenever possible, but sometimes auto insurance can be a necessary expense. Even if coverage is required to legally drive where a motorist lives, there are still ways to find adequately priced policies. Insurers usually base premiums off of a variety of details obtained from a motorist, and because many vehicle owners have unique driving records, driving habits and automobiles, it is common to find several policies that may be priced differently. Motorists can typically research these differences to find some of the cheapest automobile coverage for their specific needs. Prices can even drop to lower levels after applying a variety of discounts that can be awarded for numerous reasons.

There are many different companies that advertise discount auto insurance but prices are still largely based on a motorist’s specific details. This can include an individual’s age; gender; marital status; occupation; credit rating; vehicle year, make and model; and accident history. All of these details, and sometimes more, are used to determine a person’s likelihood of filing a claim. People with a greater risk typically receive higher premiums, while people at a lower risk usually see less expensive policies and additional savings. It should be noted, however, that many companies also have a unique type of customer that they target. Because of all of these factors that can affect a person’s premium, drivers are encouraged to shop around before making a purchase.