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Seasonal Contractors and Why it's Important for Them to Be Insured

Seasonal contractors are those who work in specific industries or trades during certain times of the year. For example, landscaping contractors are typically busiest in the spring and summer, while snowplows and ice removal services are busiest in the winter.

While seasonal contractors may only work for a few months out of the year, it is still important for them to be insured. This is because even a small mistake or accident can result in expensive lawsuits or medical bills.

There are a number of different types of insurance that seasonal contractors may need, including:

  • General liability insurance: This type of insurance covers the cost of defending against lawsuits and paying for damages if the contractor is found to be negligent.

  • Workers' compensation insurance: This type of insurance covers the cost of medical bills and lost wages if an employee is injured on the job.

  • Commercial auto insurance: This type of insurance covers the cost of damages if the contractor's vehicle is involved in an accident.

In addition to these basic types of insurance, seasonal contractors may also need to purchase specialized coverage depending on their industry or trade. For example, a landscaper may need to purchase coverage for property damage caused by lawnmowers or other equipment.

The handyperson class is a great way for seasonal contractors to get the insurance coverage they need. This class covers a wide range of topics, including risk management, safety procedures, and insurance options. Upon completion of the class, contractors will be able to choose the right insurance policies for their needs and budget.

Here are some of the benefits of taking the handyperson class:

  • Learn about different types of insurance: The class will teach you about the different types of insurance that are available to seasonal contractors, and how to choose the right policies for your needs.

  • Understand your risks: The class will help you to identify and understand the risks associated with your industry or trade, so that you can take steps to mitigate them.

  • Learn about safety procedures: The class will teach you about safety procedures that you can implement to protect yourself, your employees, and your customers.

  • Get a discount on your insurance: Many insurance companies offer discounts to contractors who have completed the handyperson class.

If you are a seasonal contractor, it is important to have the right insurance coverage in place. This will protect you from financial losses in the event of an accident, lawsuit, or other unforeseen event.

The handyperson class is a great way to learn about different types of insurance and how to choose the right policies for your needs. The class also covers risk management and safety procedures, which can help you to reduce the likelihood of accidents and other incidents.

We encourage you to take the handyperson class and get the insurance coverage you need to protect yourself and your business. It is a wise investment that can give you peace of mind knowing that you are financially protected in the event of an unexpected event.

Here are some additional tips for seasonal contractors:

  • Review your insurance coverage regularly. Make sure that your policies cover all of your needs and that you have the appropriate amount of coverage.

  • Compare quotes from multiple insurance companies with a broker. This will help you to get the best possible rate on your coverage.

  • Bundle your insurance policies if possible. Many insurance carriers offer discounts to customers who bundle their policies.

  • Work with an insurance agency who specializes in business insurance. They can help you to choose the right policies for your needs and budget.

We wish you a successful 2023 season!


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