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post #1 of Old 03-28-2010, 11:10 PM Thread Starter
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Insurance & Bonding

Hey everyone. Just starting out and hoping you can help with some insurance and bonding questions.

I haven't called any local companies yet, is there a national company that everyone can suggest?

Am I going to be able to pay insurance monthly or am I going to be stuck paying yearly?

What kind of cost am I looking at for each for basic coverage?

Thanks!
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post #2 of Old 04-20-2010, 08:14 PM
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Echoing your question.

I've been looking around and plan to start with the guy who has my car and homeowners for the insurance. Bonding, methinks a solo operation is OK without if insured and with great references.

Along the same line, is there a benchmark for when to get insurance and a local business license? Last year, I made a total of $50 in sidework. This year I'm up to $65 so far. I've been thinking that I shouldn't worry about going legit unless I'm in line to make more than $500, and probably that's not even worth paying insurance and biz taxes over.

What say the pros? I don't plan on competing against established companies. If I can get three or four clients and make $200 a week, I'll be good and able to quit the company job that's paying me $100-some to work five days cleaning for six clients. (That's me driving and hauling materials to nine solo commercial cleans every week. It's practically negative income for me, but I haven't been able to find any other work.)

I've been saving nickles and dimes for materials and just bought a commercial vac. A few clients that are too small for companies to bother with are all I'm looking for.
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