Handyman Liability Insurance
 

Was just curious what it would run. Of course I know it can vary
significantly, very significantly, depending on where you are. For
instance, I moved from one state to another and my car insurance was 1/3rd.
Of course in the expensive state every other commercial on TV was for a law
firm that wanted to get you "just compensation" for straining your eyes to
read a menu.


Curious Al in the northeast...

Handyman Liability Insurance
 

It will depend on what you do. your Liability Exposure is the key word You
will need to determine
if you just paint plaster or dig around power and telephone lines or do
brain surgery
Mine wasn't to bad 5 years ago. I closed my business after taking flying
lessons off a ladder and a follow-up hip replacement I would suggest
incorporate or go LLC

"Al Bundy" wrote in message
...
Was just curious what it would run. Of course I know it can vary
significantly, very significantly, depending on where you are. For
instance, I moved from one state to another and my car insurance was
1/3rd.
Of course in the expensive state every other commercial on TV was for a
law
firm that wanted to get you "just compensation" for straining your eyes to
read a menu.


Curious Al in the northeast...

Handyman Liability Insurance
 

Al Bundy wrote in
:

Was just curious what it would run. Of course I know it can vary
significantly, very significantly, depending on where you are. For
instance, I moved from one state to another and my car insurance was
1/3rd. Of course in the expensive state every other commercial on TV
was for a law firm that wanted to get you "just compensation" for
straining your eyes to read a menu.


Curious Al in the northeast...

In the Fort Worth area, mine runs about $1,200 a year for $2M of coverage.

My agent went with Lloyds of London, because I need coverage for
maintenance, light construction, remodeling, landscaping, cabinetry, and
flooring. I have the equivalent of three or four business policies rolled
into one. No other company would consider me.

Handyman Liability Insurance
 

Mine runs about $500 a year for $1m worth of coverage.

Handyman Liability Insurance
 

Al Bundy wrote in
:

Was just curious what it would run. Of course I know it can vary
significantly, very significantly, depending on where you are. For
instance, I moved from one state to another and my car insurance was
1/3rd. Of course in the expensive state every other commercial on TV
was for a law firm that wanted to get you "just compensation" for
straining your eyes to read a menu.


Curious Al in the northeast...


Thanks for the replies. Was really more just a curiosity. No idea if it
would be 1k/mo or 1k/yr.

As mentioned, depending on what you do, it could be 1k a month with
enough risk I suppose. Think more along the lines of you spill paint on
someone's carpet, plumbing leaks and floods someone's place (whether you
touched it or not), electrical fire days after you're there and you get
blamed whether you touched it or not, hammer falls off ladder and kills
f*ing ugly little yapping dog, kid drills hole in brothers head with your
drill, etc.

Handyman Liability Insurance
 

"Al Bundy" wrote in message
...
Was just curious what it would run. Of course I know it can vary
significantly, very significantly, depending on where you are. For
instance, I moved from one state to another and my car insurance was
1/3rd.
Of course in the expensive state every other commercial on TV was for a
law
firm that wanted to get you "just compensation" for straining your eyes to
read a menu.


Curious Al in the northeast...

i've had a few quotes. both were about $100 per month for lv elec.

Handyman Liability Insurance
 

On Apr 18, 10:08 pm, Steve wrote:
Al Bundy wrote :

Was just curious what it would run. Of course I know it can vary
significantly, very significantly, depending on where you are. For
instance, I moved from one state to another and my car insurance was
1/3rd. Of course in the expensive state every other commercial on TV
was for a law firm that wanted to get you "just compensation" for
straining your eyes to read a menu.

Curious Al in the northeast...

In the Fort Worth area, mine runs about $1,200 a year for $2M of coverage.

My agent went with Lloyds of London, because I need coverage for
maintenance, light construction, remodeling, landscaping, cabinetry, and
flooring. I have the equivalent of three or four business policies rolled
into one. No other company would consider me.


Business or professional liability for individual contractors or small
businesses can be hard. Had similar difficulty locally but found a
broker dealing w/ Zurich who handled it for me.

Handyman Liability Insurance
 

n Apr 19, 12:49 pm, Al Bundy wrote:
Al Bundy wrote :

Was just curious what it would run. Of course I know it can vary
significantly, very significantly, depending on where you are. For
instance, I moved from one state to another and my car insurance was
1/3rd. Of course in the expensive state every other commercial on TV
was for a law firm that wanted to get you "just compensation" for
straining your eyes to read a menu.

I Curious Al in the northeast...

I Thanks for the replies. Was really more just a curiosity. No idea
if it
would be 1k/mo or 1k/yr.

As mentioned, depending on what you do, it could be 1k a month with
enough risk I suppose. Think more along the lines of you spill paint on
someone's carpet, plumbing leaks and floods someone's place (whether you
touched it or not), electrical fire days after you're there and you get
blamed whether you touched it or not, hammer falls off ladder and kills
f*ing ugly little yapping dog, kid drills hole in brothers head with your
drill, etc.

Sure location has some to do with it, but would expect level of
coverage and type of business bigger factor. My professional
liability $2M coverage for $600/yr for design/support, no
construction, no union labor oversight. That was last carried three
years ago at which point I retired from consulting.

Handyman Liability Insurance
 

Al Bundy wrote:

kid drills hole in brothers head with your
drill, etc.


The second time that happened to me I considered getting insured,
after the forth my mind was made up - no way, too expensive.

Handyman Liability Insurance
 

"Al Bundy" wrote in message
...
Was just curious what it would run. Of course I know it can vary
significantly, very significantly, depending on where you are. For
instance, I moved from one state to another and my car insurance was
1/3rd.
Of course in the expensive state every other commercial on TV was for a
law
firm that wanted to get you "just compensation" for straining your eyes to
read a menu.


Curious Al in the northeast...

I am sure it varies by area.

I pay about $400 for a 600K liability only policy with a $500 deductible.
That is for one person, no employees. That is also for non-hazardous
trades. I install window treatments, curtains, blinds, shades and interior
shutters.

Amazing enough the price has only doubled in the 20 years I have been doing
this. If only health insurance has remained such a bargain. :-)

Colbyt

Handyman Liability Insurance
 

Apu Inmypants wrote:

i've had a few quotes. both were about $100 per month for lv elec.



And?? If you run an alarmco you bought it, right?

Handyman Liability Insurance
 

u like my nym?

"Nelson Muntz" wrote in message
...

Handyman Liability Insurance
 

Amazing enough the price has only doubled in the 20 years I have been doing
this. If only health insurance has remained such a bargain. :-)

Colbyt


If you're willing to limit yourself to drugs and treatements that
were avaliable 20 years ago, it probably has.