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Handyman Insurance IL – Protection from lawsuits and claims starts with general liability insurance. Insurance companies define a handyman as someone conducting projects of short duration. Things such as lock changes, repairing some damaged sheetrock, replacing a window. Bodily injury and property damage claims can be costly.
Who needs general handyman insurance?
- Handyman Contractors
- Unlicensed Contractors
Handyman insurance can need the following types of coverage:
- General Liability Insurance: Also known as Illinois commercial liability insurance. It covers bodily injury and property damage from a third party. It is a broad coverage. It is the first or core policy an electrical contracting business would buy.
- Commercial Auto Insurance: Your commercial autos, such as a van, pick up, or box truck, need insurance. They need the protection of a commercial auto insurance policy. Personal policies have exclusions for business and commercial use. A commercial auto insurance policy can help protect your work vehicle(s). Your vehicles when going to/from job sites and while parked.
- Business Owners Insurance: Also referred to as BOP coverage. This policy will provide more bells and whistle over a general liability policy. It includes general liability insurance. But may include business income, property, personal property, sign coverage, and more. It is a bundle of coverage’s many electrical businesses might need. In most cases, this is the preferred policy to buy.
- Workers Compensation Insurance: Workers’ comp insurance can help cover medical bills. It also pays lost wages to an injured employee. One that hurt on the job. Illinois requires workers comp insurance if you have one or more employees.
What is Handyman Insurance?
Handyman insurance is an insurance policy designed to protect handymen. Handymen and handyman businesses from damages. Damages resulting from bodily injury and property damage. Common limits of coverage are $1,000,000 liability coverage per claim and $2,000,000 per year total coverage. Rates start at $613.00 per year. This wordage generally is referring to general liability insurance.
Let us, Illinois General Contractors Insurance help you. Help you with a quote and a comprehensive handyman insurance policy. We will walk you through it step by step and answer your questions along the way. Let us explain the Illinois handyman insurance and help you. Complete our quick quote form. Or give us Illinois General Contractors Insurance a call at 952-469-0425.