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Contracting or Advertising Without a License is a Crime in Arizona

Saturday, Mar. 19th 2011 6:47 AM
Chapter 10, Title §32-1151, of the Arizona Revised Statutes states: “It is unlawful for a person, firm, partnership, corporation, association or other organization, or a combination of any of them to engage in the business, or act or offer to act in the capacity, or purport to have the capacity of a contractor, without having his own license in good standing in his own name therefore as provided in this chapter. Evidence of securing a permit from a governmental agency or the employment of a person on a construction project shall be accepted in any court as prima facie evidence of existence of a contract”

What this means is a contractor must have a current and active license, showing he or she is qualified to perform the type of work required, before he or she can even bid on a project. Violation of this statute is a class 1 misdemeanor.
There are exemptions to these licensing requirements listed under Chapter 10, Title A.R.S. §32-1121, however most of the exemptions do not effect the consumer directly. The most frequently claimed exemption to the licensing requirements is that of the “handyman”. The statute allows individuals who perform minor repairs or installations to do so without being licensed. To qualify for this exemption two conditions must be met:  The work does not require a local building permit, AND the total cost of the project, including labor, materials and all other items does not exceed one thousand ($1,000.00) dollars.

As used in the statute, the term “total cost of the project” does not refer strictly to the work of the handyman. As an example, a “handyman” cannot build a brick fireplace for $1,000.00 in a ten thousand-dollar addition to a home. The “total” cost of the project would be considered as $ 11,000.00. In such cases, the “handyman” would be required to be a licensed contractor.

As another example, a “handyman” installing the same fireplace in an existing home for $ 1,000.00 would still need to be licensed, if a local building permit was required to perform the work. The reason for these licensing requirements is to protect the health, welfare and public safety and to promote quality construction in Arizona.  Under Title §32-1165, it is also a class 1 misdemeanor for any person to advertise that he or she is able to perform any service or contract for compensation subject to the regulation by the registrar under the terms of the chapter, unless a license is first obtained, regardless of whether his operations as a contractor are otherwise exempt.

Advertising Requirements: The advertising requirements of the statute does not prevent anyone from placing an ad in the yellow pages, on business cards, or on flyers.  What it does require under A.R.S. §32-1121A14(c), is that the advertising party, if not properly licensed as a contractor, disclose that fact on any form of advertising to the public by including the words “not a licensed contractor” in the advertisement.  Again, this requirement is intended to make sure that the consumer is made aware of the unlicensed status of the individual or company.  Contractors who advertise and do not disclose their unlicensed status are not eligible for the handyman’s exception.
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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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