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Handyman Stiff Penalties for Lack of Texas Insurance

Sunday, Nov. 14th 2010 6:18 AM

Handyman Stiff Penalties for Lack of Texas Insurance: Being caught operating a vehicle in the Lone Star State without proper automobile coverage could result in some of the stiffest, if not the stiffest penalties in the country. Texans are required to have the ability to pay for bodily injury and property damage caused that stem from an accident where the motorist is found to be at fault; this is commonly referred to as the Financial Responsibility Law and not abiding by this can cost a Texan a substantial amount of money. Unfortunately, the Texas Department of Insurance estimates that approximately 20% of Texas’ vehicles are being driven uninsured and can not only put other motorists and pedestrians at risk, but end badly for offenders.

The state has developed these laws to protect citizens from being involved in accidents with drivers who do not have the means to pay for damage and injuries which may be caused and in addition, legislation has been passed allowing the verification of an automobile’s coverage electronically and almost instantly. A verification program by the name of Texas Sure was developed to allow law enforcement officers to verify whether a vehicle is being operated legally and covered by a Texas auto insurance policy. Beginning in the spring of 2010 the TexasSure program would keep track of the coverage status of residents and if the program was notified that a policy has lapsed or canceled, the vehicle owner would receive notice and would need to make sure to comply with the law to avoid disciplinary action.

Abiding By Texas Car Insurance Laws

In order to be in compliance with state law a motorist must carry automobile policies consisting of at least liability coverage in the amount of $25,000 for bodily injury to one person, $50,000 for bodily injury per accident and $25,000 for property damage and is commonly seen on declaration pages in the form of 25/50/25. At the beginning of the upcoming new year these minimum limits required will be increasing to 30/60/25 and any policy written or renewed after January 1, 2011 will need to meet these requirements.

While the cost of automobile coverage may be dreaded by the average consumer, the penalty for being caught without a policy can be extremely expensive and in some cases even exceed the amount of a premium. A first time offense can result in costs that can easily exceed $1,000 and convictions can also lead to the impoundment of a vehicle, suspension of driving privileges and even jail time. Subsequent offenses can be much worse. It is probably in the best interest of motorists to take the time to find the most affordable coverage available rather than pay fines in addition to having to get insured any way. With a comparison of the quotes of carriers and shopping around and comparing options, a motorist may be able to find a policy that can fit their budget; even if it is only the absolute minimum required by the state. Residents can even visit the website of the Texas Department of Insurance which provides helpful tips to getting insured at the lowest possible rate.

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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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Handyman Insurance

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

Handyman Insurance Coverage

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

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

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

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

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

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

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

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

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

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

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

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

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

Handyman Insurance Quotes

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

 

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