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Handyman Insurance, Court Upholds Rights of Small Business Dredging Contractors

Saturday, Feb. 28th 2015 5:10 AM

In a bid protest argued by our firm before the United States Court of Federal Claims on September 23, 2014, the Court ruled in favor of our client, RLB Contracting, Inc., (RLB) in a matter involving the designation of the dredging exception to NAICS code 237990, which is for “Other Heavy and Civil Engineering Construction.” 13 C.F.R. § 121.201 (2014). The solicitation for the “South Lake Lery Shoreline Protection and Marsh Creation Project” was set aside for small business concerns by the Natural Resource Conservation Service, but the exception to NAICS code 237990 that applies when a project is considered to be dredging was not invoked. At the time, the exception lowered the small business size standard from $33.5 million to $25.5 million for dredging and required that the successful contractor “must perform at least 40 percent of the volume dredged with its own equipment or equipment owned by another small dredging concern.” 13 C.F.R. § 121.201, Footnote 2. (Currently, the applicable small business size standards are $36.5 million and $27.5 million respectively).

The small business regulation found at 13 C.F.R. 121.402(b)(2) states that “[a] procurement is usually classified according to the component which accounts for the greatest percentage of contract value.” In this case, RLB presented evidence that the agency had internally estimated that over 50% of the work involved dredging and that the agency had made its NAICS code designation based on an erroneous calculation that only 10% of the work involved dredging. RLB first appealed the NAICS code designation to SBA’s Office of Hearings and Appeals (“OHA”), arguing that the agency applied the incorrect NAICS code size standard. OHA denied the appeal on the basis that the project included other items of work in addition to dredging. However, OHA did no analysis as to the contract value or relative importance of those “other items.” RLB then brought its protest to the United States Court of Federal Claims, again arguing that the agency violated the regulations by failing to apply the dredging exception. RLB also argued that the agency had failed to provide correct information to OHA, and that OHA had refused to consider supplemental information furnished by counsel for RLB. The Court ruled that OHA’s decision was incorrect as a matter of law because OHA’s “decision does not give primary consideration” to “the relative value and importance of the components of the procurement” and did not concern itself with whether the agency classified the procurement “according to the component [of work] which accounts for the greatest percentage of contract value.” 13 C.F.R. § 121.402(b)(1)-(b)(2) (2014).

The Court was critical of the agency for not including pertinent documents in the Administrative Record which demonstrated that the agency knew that the dredging work accounted for the greatest percentage of contract value, and was further critical of OHA for concluding that other, relatively minor, elements of the work supported the agency’s contention that the project did not predominantly involve dredging. As a result, the Court entered a permanent injunction and remanded the matter to the Contracting Officer with instructions “to make a new determination of whether the dredging exception applies based on all available current information.” The Court further stated that “If item 7, Excavation Marsh Creation Dredging, is the most valuable item of work, the contracting officer must give primary consideration to it.”

This decision is an important victory for the small business dredging industry because it makes it clear that federal agencies are not free to circumvent the protection afforded to small business dredging contractors, under the exception to NAICS code 237990, by characterizing work generally as civil construction even though the dominant item of work is dredging. The exception is designed to prevent brokering by non-dredging small business concerns who, after receiving an award, could subcontract virtually all of the dredging work to a large business dredging concern.

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Handyman Insurance, Handyman and General Liability Insurance

Thursday, Feb. 26th 2015 6:43 AM

A fundamental part of handyman insurance is General liability insurance. General liability could provide protection against lawsuits and other financial liabilities that result from things like accidents or other mishaps. General liability is often bundled with a variety of other coverages in a Business Owners Policy.

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Handyman Insurance, Odyssey Elementary Becomes the Greenest School in Utah

Tuesday, Feb. 24th 2015 8:11 AM

Odyssey Elementary, slated to become the greenest school in the state, opened its doors to students August 25 in Woods Cross, Utah.  The building can function as a net-zero facility, generating all its own electricity, and is on track to achieve LEED-Gold certification.

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Handyman Insurance, Why Have Handyman Insurance

Sunday, Feb. 22nd 2015 8:32 AM

You should know that as a jack-of-all trades, you are exposed to many types of risks. Handyman insurance can help shield you from things like injuries or property damage that could result in devastating lawsuits and penalties.

Without handyman insurance, even one of these problems could put you out of business. Therefore protect yourself with handyman insurance which can include Business Owners Insurance (BOP), Workers’ Compensation insurance and commercial vehicle insurance.

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Handyman Insurance, Controversial San Francisco Tax District Fuels Transbay Terminal

Friday, Feb. 20th 2015 6:06 AM

Major funding source for big San Francisco projects may face a lawsuit.  Despite protests and litigation threats from real estate developers, the San Francisco Board of Supervisors voted unanimously on Sept. 23 to create a special community tax district—locally known as a Mello-Roos district—for the Transbay Transit Center at 2014 market rates. The vote marks a key funding piece for the approximately $4.5-billion Transbay Transit Center, billed as the “Grand Central of the West.”

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Handyman Insurance, Employee Dental Insurance

Wednesday, Feb. 18th 2015 5:06 AM

As a business owner one of the last things you want your employees doing is calling out sick due to dental pain issues. However according to one study done 17.1 work days and school days are lost due to oral disease. Oral health problems can affect a person’s ability to maintain a job or get promotions.

However did you know people that have dental insurance are more likely to maintain their dental health care and see a dentist regularly thus reducing the likelihood of needing larger dental care and losing time off from work due to dental pain issues. Talk to your employees about dental insurance if you want to help but feel the cost of dental insurance is too high you may want to review dental discount plans as a lower cost option. Visit www.dental4less.com in order to review dental insurance and dental discount plans for yourself and your employees.

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Handyman Insurance, Rains Prevent King Fire From Damaging Power, Water Infrastructure

Monday, Feb. 16th 2015 5:14 AM

As the King Fire, which has burned through 97,000 acres of California’s Sierra Nevada mountains, started to threaten electricity and generating stations that provide power to Sacramento, late September rains helped avert a potential public emergency.

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Handyman Insurance, Dental Insurance

Saturday, Feb. 14th 2015 6:52 AM

According to one study over 40 million hours per year were lost due to dental problems and treatment, with 3.5 hours being lost per person. However to help avoid losing hours at work for dental care problems make sure to see a dentist regularly for preventive care so that larger dental care needs may not be needed.

Not only will you lose less time at work but you save money having to pay for larger dental services.  Also by having dental insurance it will help to reduce your dental care cost, and according to studies done people with dental insurance are more likely to maintain regular dental visits. If you do not currently have dental insurance you may want to visit www.dental4less.com and get a quote today.

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Handyman Insurance, The Stonlea Legacy Talking With Hugh Hardy

Thursday, Feb. 12th 2015 5:17 AM

In 1891, Boston architect Peabody & Stearns completed the summer residence Stonlea in Dublin, New Hampshire, for tobacco producer Daniel Catlin. At its inception, Stonlea exemplified the hybrid Colonial-Shaker style of the era. By the time 82-year-old Polly Guth purchased the 12,000-square-foot building in 2009, it was a case study in unsustainable living. Because it was neither sized nor constructed for affordable year-round operation, “The previous owner could only live in part of the house during the winter. He had created this partition to separate the cold from warm parts.”

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Handyman Insurance, Limits of Liability Coverages

Tuesday, Feb. 10th 2015 6:21 AM

How high should your liability coverage limits be?  The fact is no one can predict exactly how much you would have to pay if you were to cause an accident.  However, ask yourself how you would pay for any damages exceeding your coverage limits. The higher the limits on your commercial auto insurance, the more likely your policy will be able to pay all of the damages.

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Handyman Insurance, Drywaller Builds Up Revenue, Tech Skills

Sunday, Feb. 8th 2015 5:17 AM

In the last few years, California Drywall has experienced a dramatic revenue turnaround while vastly improving its safety record. The firm has also deepened its commitment to local philanthropy and invested in construction technology.

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Handyman Insurance, Big Protecting Your Small Business Vehicles

Friday, Feb. 6th 2015 8:49 AM

Whether you use your own car or a fleet of pickups or box trucks to get the job done, it is important to have and maintain insurance such as liability, personal injury/medical, comprehensive, and collision coverage to keep your business moving forward. In addition, if your employees use their own vehicles to perform deliveries, make sales visits, or run errands for your business, you could be liable for any accidents they cause.

Having business/commercial vehicle insurance will help you meet your needs. An insurance agent can help you determine what deductible amounts and coverage limits best fit your situation and provide commercial auto insurance quotes.

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Handyman Insurance, Contemporaneous Documentation is Not Always a Good Thing

Wednesday, Feb. 4th 2015 8:10 AM

There is no question that documentation is an important part in the resolution of any construction dispute. Particularly contemporaneous documents – documents that are created at the time that events occur. Quality control reports, daily logs, and timely letters all fall into the “contemporaneous” category. Another type, however, has an instantaneous characteristic that not only makes it contemporaneous, but so current as to be potentially dangerous – e-mail. This form of documentation cannot only be useful to record events virtually as soon as they occur, but it also has become a vehicle for the expression of emotions without the benefit of reflection.

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Handyman Insurance, What is commercial vehicle insurance?

Monday, Feb. 2nd 2015 6:35 AM

Commercial Vehicle Insurance is a policy of physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy. Knowing the difference between a personal auto insurance policy and a commercial auto policy (and when you need which) is important business for your business. This type of business insurance covers a variety of vehicles. You may also have heard of this coverage referred to as commercial auto insurance, commercial car insurance, truck insurance, or fleet insurance.

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Handyman Insurance, Building a Giant Water Bunker in L.A. Is No Easy Task

Friday, Jan. 30th 2015 6:00 AM

The $230-million Silver Lake Reservoir Replacement Project reroutes drinking water into underground facilities to comply with EPA regulations.  On the surface, the $230-million Silver Lake Reservoir Replacement Project in Burbank—which resembles a big concrete warehouse—looks like a simple project. But the construction team has had to overcome a host of hurdles, including a fast-track schedule, demanding concrete placement and a tunnel dig through sinkhole-prone soil.

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Handyman Insurance, Protect Business Owner’s Vehicle

Wednesday, Jan. 28th 2015 6:41 AM

It is a good idea to make sure to cover the business owner’s vehicle with a company auto policy. There are times when the business owner’s only vehicle serves double-duty for both company and personal use. In situations like that, company car driver insurance is necessary. For added protection when it is not used for business, it is recommend that you add added drive other car endorsement to cover the owner and any family members who might drive the car.

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Handyman Insurance, Subcontractors Enjoy Bounty of Work in California

Monday, Jan. 26th 2015 6:00 AM

Construction is thriving in just about every corner of California, according to specialty contractors participating in ENR California’s annual survey. Revenue in 2013 jumped nearly 10% for the top 50 ranked firms. That was on top of a 42% gain in 2012.

 

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Handyman Insurance, Protect employee-owned vehicles

Saturday, Jan. 24th 2015 6:27 AM

By protecting your employee-owned vehicles with company auto insurance, it not only helps to protect them but it also protect your business from expensive lawsuits.  If you have employees and they use their own vehicles for business use, be certain they have sufficient liability coverage with their personal auto policies. For example, if an employee drives his/her own vehicle to make a bank deposit for the business and is in an accident with another driver, their insurance company will pay the claim up to their policy limit.

However, if the other driver sues the employee’s company for additional damages, a basic business owner’s policy will not suffice. Commercial vehicle insurance with an added non-owned auto liability endorsement could help protect the company’s assets from an expensive lawsuit.

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Handyman Insurance, September Construction Employment Sees Modest Gains

Thursday, Jan. 22nd 2015 5:50 AM

The U.S. construction industry added 16,000 jobs in September, according to the Oct. 3 Bureau of Labor Statistics preliminary estimate. The August estimate was revised downward from 20,000 to 16,000 net new jobs. Nonresidential construction added 3,200 jobs in September, accounting for only 20% of the total gain in construction employment.

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Handyman Insurance, Company Car Insurance Policy

Tuesday, Jan. 20th 2015 6:20 AM

The basics of a company car policy: If your business owns vehicles and they are titled in the company’s name, your commercial vehicles need insurance for complete coverage. If you are a business owner with no employees, and you use your vehicle driving to and from work, a personal auto policy will cover you.

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Handyman Insurance, Credit Managers Index Drops to Two-Year Low

Sunday, Jan. 18th 2015 6:31 AM

The September report of the Credit Managers’ Index (CMI) from the National Association of Credit Management fell in September to 54.9 from 56.7. While still firmly in the growth category, this is the lowest reading in nearly two years. Not even the “Polar Vortex” months of bad winter weather early in the year were as weak, NACM says. The collapse was felt in a variety of categories.

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Handyman Insurance, What is a Contractor License Bond

Friday, Jan. 16th 2015 8:42 AM

Even though a contractor license bond is actually a type of license and permit bond, contractor license bonds are often mistakenly grouped in with contract bonds since they are used by construction professionals. Contractors must purchase these bonds before they can receive their contractors licenses at the state, county and/or city level. These bonds ensure that contractors follow all applicable licensing laws and regulations.

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Handyman Insurance, GSA Helps Army Attain Net Zero Energy

Wednesday, Jan. 14th 2015 7:40 AM

GSA identified four breakthrough areas to help the Army meet its sustainability goals.  The U.S. General Services Administration (GSA) released a report today designed to help the Army attain net zero energy (NZE) through employing high-impact energy efficiency strategies. This new report presents the findings of a green building demonstration project completed at Fort Carson, a historic 72-year-old Army base near Colorado Springs, Colo. As a flagship in the Army’s Net Zero Initiative, Fort Carson has set a net zero energy goal for the entire base by the year 2020, which means that the base – home to approximately 900 buildings equaling about 14-million square feet of real property – will need to generate as much energy as it consumes by the goal year.

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Handyman Insurance, What Are Supply Bonds

Monday, Jan. 12th 2015 6:22 AM

Supply bonds mandate that suppliers provide materials, equipment and/or supplies as defined in purchase orders. If the supplier fails to provide the supplies as agreed, the bond amount can be used to reimburse the purchaser for the resulting loss.

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Handyman Insurance, U.S. Nonresidential Construction Spending Falters in August

Saturday, Jan. 10th 2015 6:47 AM

Nonresidential construction spending slipped in August, according to an Oct. 1 release from the U.S. Census Bureau. Nonresidential construction spending shrank 1.2 percent on a monthly basis in August, but has still managed to expand 6 percent on a year-over-year basis. Spending for the month totaled $603.7 billion on a seasonally adjusted, annualized basis. The government also revised the July spending figure down from $617.8 billion to $611.3 billion.

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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.
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Business insurance quotes vary according to the state your business is in so you need to keep this mind when shopping for insurance.
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Your contractors license classification provides the insurance company the amount of risk and claims exposure you may incur as a result of your business.
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How many years of experience in the licensed classification influences your final business insurance quote.

Handyman Insurance

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

Handyman Insurance Coverage

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

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

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

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

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

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

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

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

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

Income Protection Insurance - If the essential person should be unable to work for a period of time, this handyman insurance helps to cover the loss of business as a result of the illness or injury.  Having sufficient income protection insurance is also a worth while consideration, if you were to fall off a step ladder or hurt your back and couldnt work, accident, sickness and unemployment insurance could help you to pay for some of your monthly bills in the event of you not being able to work.

The Handyman Insurance Program gives our policyholder comprehensive coverage for their handyman businesses, and the program is designed for Handymen who: Are hired to do a variety of miscellaneous work that would be found in a residential household environment;

Please note that standard home owner's insurance will most likely not cover business assets, and may VOID your home insurance coverage.  If your business is home-based, do you need more liability coverage than your home insurance policy covers. 

The Handyman program gives our policyholder comprehensive coverage for their handyman businesses, and the program is designed for Handymen.

Handyman Insurance Quotes

Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more. Find the best Handyman insurance quotes liability commercial and small Handyman companies offering affordable monthly payment options for your handyman business and the self-employed.  Find the best Handyman insurance quotes from some of the finest and solid insurance companies who compare liability coverages based upon your own personal choices.  Get online quotes for handyman insurance now.  And it can help you save money on your handyman insurance without compromising on the level of cover you need.  The Handyman tradesman insurance policy has been crafted to cover all your Handyman insurance needs at the most competitive price.

 

A reminder this is not an attempt to describe the product coverage and its' contents but merely used as a sales tool for the purpose of product illustration. The website and its' owners cannot make recommendations as to whether any illustrated product may meet the users' particular needs. Therefore, the suitability of the product is the final determination of the user of this website. The use of this website is acceptance of the sites' privacy statement. Coverage is not in effect until an application is signed, transmitted, payment received and approved by the underwriting company unless otherwise specifically stated. A physical and/or background inspection may be done to verify the information provided. The quote(s) will be based up on the underwriting information you supplied and the quote(s) is/are subject to change upon inspection and review by the underwriting company. The underwriting company reserves the right to determine the final coverage, premium and acceptability. Commercial use by others is prohibited by law. No portion of any news or information from this website may be photocopied, faxed, mailed, distributed, transmitted, published, broadcasted, duplicated, or re-distributed in any manner for any purpose without prior written authorization of its' owner.