Handyman Insurance Massachusetts
One of the most important things you can do for yourself as a small business contractor is to get yourself handyman insurance. You see, every time you take on a new job, you also take on risk. You might be driving on your way to a job and accidentally damage something with your truck, or you are repairing something for a customer and accidentally damage something.
We will research your options before we offer the different levels of protection, and will be able to supply you the insurance coverage to cover all of your needs.
- Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
- Property Damage coverage for the physical damage to property of others or the loss of use of that property
- Products Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something you made or a service you provided
- Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
- Contractual Liability extends to any liability you may assume by entering into a variety of contracts
- Tool Insurance Tools are either classified as "scheduled" or "unscheduled
- Commercial Vehicle Insurance – Kerrigan, O'Malley & Bailey Insurance Agency offers a specialized commercial insurance program for contractors offering an enhancement rider that may include; Employees as Insured, Loss of Earnings, Towing Reimbursement, Wavier of Collision Deductible, and Rental Reimbursement.
The premiums you pay will depend on the type policy you choose or the work you are doing. Handyman insurance policy rates will be based on a different set of pre-determined possibilities than say a printer or a groundskeeper, each job will have different types of inherent dangers, and you can expect us to evaluate your particular function and get you the policy you require.