When you are looking for sign painting or lettering contractors insurance, you are going to be tempted to visit an agent under the assumption that this is the easiest and best way to get coverage. The truth, however, which many contractors just like you are discovering, is that this is no longer the best or the easiest way to get insurance. As a matter of fact, if you go to an agent, you are going to waste hours of your day for a plan that costs a lot and offers very little. Do we have a better idea? The answer is to do your insurance shopping online.
Here is why sign painting or lettering contractors insurance online is better than the old agent or broker method. Basically, agents only work with a few insurance carriers, which means that the carriers simply have no reason to offer competitive rates. When you are online, there is too much competition, which means that the coverage becomes better and the rates get lower.
When you go online for your sign painting or lettering contractors insurance, you are going yourself a big favor. To begin with, the online process could not be any easier or more convenient. You begin by entering some basic information into the website. There is nothing to worry about. This information is completely secure and confidential. You will then be able to look at a list of hundreds of available insurance plans. You will get quotes as well as coverage details. This is the only way in today’s world to make an educated decision when it comes to contractors.
When you are just starting in the sign painting and lettering business, you are going to want to make some serious decisions as to which professional path you want to take. In other words, you are going to find that you have two options. You can join a company or smaller firm and have financial security, but you are going to end up sacrificing your freedom. When you are working for someone else, you have financial backup if you are ever injured or if you have some damaged equipment. At the same time, when you have an employer, you are no longer able to make your own hours or decisions about how work should be done. When you are an independent contractor, on the other hand, you do have much more freedom, but you will have to worry about potential financial insecurity. This is why you need sign painting or lettering contractors insurance.