If you really want to get reasonable painting contractors insurance, you are going to need to go online to deal with a broker. Here is why. When you go online for your insurance, you are going to be able to choose from hundreds of plans, which means that you will indeed be getting some competitive rates. It also means that you won’t be settling for the lesser of two evils. Instead, you will truly be getting the plan that works best for your independent contractor business. You will be able to investigate only those plans that truly will help you.
When you are painting as an independent contractor, you can really enjoy a level of freedom that those who are part of a larger organization cannot. This should go without saying. You can make your own hours, provide whichever services you would like, and even choose which clients you would like to do work for. There are some problems with doing this kind of work independently, however. If you ever suffer a serious problem that entails financial burden, you really will be on your own. If you are injured, you will not have workers compensation payments. If you damage your equipment, it will be up to you to buy new equipment. This is why painting contractors insurance is so important.
If you are thinking about purchasing painting contractors insurance, then you are probably thinking of visiting a local agent. The truth is that this may not be the best idea. As a matter of fact, when you take this approach, you are doing yourself a great disservice. Here is the truth about agents. They are not by any means bad people, but they have a job to do and a profit to turn like everybody else. They are going to work with a select few insurance carriers. This means that you are not going to get a lot of variety when it comes to rates and coverage. When there is less variety, there is less competition. Without competition, there is no reason to offer lower rates. This is basic economics.
The best part about getting painting contractors insurance online is that you can enjoy the speed and convenience of the process. Most people don’t think of speed and convenience when they think of insurance, but in this case, that’s the only way to describe it. You can fill out the interview questions in five minutes and receive your free quotes almost instantly. You can complete this process from the comfort of your own home.