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🤔 Quick question for handymen & independent contractors:

If a client sued you tomorrow for damaging their property — would you be covered?

If you're not 100% sure, keep reading.

Most self-employed handymen either skip insurance entirely or only carry one type of coverage — leaving massive gaps that one bad job can expose.

Here's what a complete handyman insurance policy actually looks like:

✅ General Liability — client injury or property damage on the job
✅ E&O Insurance — shoddy materials, poor workmanship, or breach of contract claims
✅ Commercial Property — tools & equipment stolen, damaged, or lost
✅ Workers' Comp — you OR your subs get hurt on site
✅ Commercial Auto — accidents in your work vehicle aren't covered by personal auto
✅ Umbrella — when one big claim exceeds everything else

⚠️ And here's the kicker: many clients and contracts NOW require proof of insurance before they'll hire you. No certificate of insurance = no job.

📖 Get the full guide built specifically for handymen:

Compare handyman insurance quotes at eInsurance.com 🔨

💬 Do your clients ask for proof of insurance before hiring you? Tell us below! 👇

What Does Handyman Insurance Cover? - EINSURANCE Handyman Insurance covers independent contractors performing handyman (or woman) tasks, including general liability, business auto insurance, work comp insurance, and much more.

😨 Someone just hit your car and drove away. What do you do?

Over 850,000 hit-and-run collisions happen in the U.S. every year. Most drivers have no idea what to do when it happens to them — and the mistakes made in the first few minutes can cost them their entire insurance claim.

Here's exactly what to do:

🚑 Step 1 — Move to safety & call 911 immediately. Even if injuries seem minor — adrenaline masks pain.

📸 Step 2 — Document everything. Photos of your car, the scene, skid marks, nearby signs. Timestamps matter.

🔍 Step 3 — Look for witnesses & surveillance cameras. Nearby businesses and traffic lights may have caught it all on video.

📝 Step 4 — File a police report immediately. Some states require this within 24 hours for your insurance claim to be valid.

📞 Step 5 — Call your insurer right away. Uninsured motorist coverage may cover your damages even if the driver is never found.

⚠️ Don't chase the other car. Don't lose your temper. And don't skip the police report — it's the foundation of your claim.

📖 Read the full step-by-step guide from our licensed agents — including what to do if YOU were the one who fled:

Make sure you have uninsured motorist coverage. Compare auto quotes at eInsurance.com 🚗

💬 Have you ever been the victim of a hit and run? What happened? Share your story below! 👇

What to do After a Hit-and-Run Accident? - EINSURANCE Does insurance cover hit and run accidents? The answer depends on the type of insurance coverage you have, your role in the accident, the behavior of other parties, and state laws.

🚗 Buying car insurance for the first time? Don't wing it.

First-time buyers consistently overpay or end up underinsured — simply because nobody explained how it actually works.

Here's what every first-time buyer needs to know before they sign anything:

💰 Your premium is based on RISK — younger, newer drivers pay more. That's just the math.

📊 Know the 3 core coverage types:
• Liability — required in almost every state. Covers damage YOU cause to others.
• Collision — covers YOUR car after an accident.
• Comprehensive — covers theft, weather, fire & non-collision damage.

💳 Higher deductible = lower monthly premium. But make sure you can afford the out-of-pocket if something happens.

📝 Review your credit score & driving history before you shop — insurers use both to set your rate.

🔍 Never go with the first quote. Compare multiple carriers to find the best rate for your coverage level.

🤝 Find an agent you trust and stick with them — building a clean insurance history pays off over time.

The choices you make on your first policy set the tone for your insurance profile for years to come.

📖 Read the full first-time buyer's guide from our licensed agents:

Compare auto insurance quotes at eInsurance.com 🚗

💬 Tag someone buying their first car or getting insurance for the first time! 👇

First-Time Car Insurance Tips - How to Get Car Insurance For first-time car insurance buyers, assessing and acquiring the right car insurance requires research, and strategic decision making.

Term vs. Whole life insurance: which is best for you?

🏠 Quick question: Do you know what type of homeowners insurance you actually have?

Most people say "yes" — but when asked to name it, they go quiet. 🤔

There are 8 types of homeowners insurance policies (HO-1 through HO-8), and the one you have makes a BIG difference in what gets covered when something goes wrong.

Here's the quick cheat sheet:

🟥 HO-1 — Bare bones. Structure only. Rarely sold anymore.
🟧 HO-2 — Broader coverage, still limited to named perils.
✅ HO-3 — The industry standard. What 78% of homeowners have.
🏢 HO-4 — Renter's insurance. Covers YOUR stuff, not the building.
💎 HO-5 — The most comprehensive. Best for high-value homes.
🏙️ HO-6 — Condo owners. Covers your unit + belongings.
🚚 HO-7 — Mobile & manufactured homes.
🏛️ HO-8 — Historic & landmark homes. (Our agents' favorite — the stories are wild!)

Not sure which one you have? Pull out your policy and look for "HO-" followed by a number. If it says HO-3 — you're with the majority.

📖 Read our full guide — we promise to make it entertaining:

Not sure if your policy gives you the right coverage? Compare quotes at eInsurance.com 🏡

💬 Which HO policy do you have? Drop it in the comments — let's see what our community is covered by! 👇

8 Types of Homeowner’s Insurance: The Ultimate Guide - EINSURANCE Most US consumers are shopping for HO-3 policies. They are the most popular type of home insurance coverage for a single-family home.

Been putting purchasing business insurance off...time to get covered.

Prescription costs getting out of hand? Try these tips!