Legal/Insurance Coverage before starting?? - Cleaning Talk - Professional Cleaning and Restoration Forum
Thread Tools Display Modes
post #1 of Old 12-29-2013, 09:02 PM Thread Starter
Junior Member
Join Date: Dec 2013
Posts: 5
Legal/Insurance Coverage before starting??

Hello everyone, I am new to the forums.

I've been working on starting my own cleaning business. I am taking my time doing this, writing my own personal detailed business plans and learning as much as I can before "opening up for business".

I am from New York. So I already figured I need Workers Comp, Disability Insurance on top of General Liability Insurance and Bonding.

My question is; do I get all of this before I start operating? My expenses monthly would roughly be around $400 monthly with all the coverage.

Does this mean I pay this monthly, while trying to build a profit, or do I build a profit first then get all the essentials?

I just feel like I am missing something here? Did you all start out paying for insurance, bonding, workers comp etc...while making no profit just to have a legit business?

Thanks for any insight/feedback
Yates84 is offline  
Sponsored Links
post #2 of Old 12-30-2013, 12:00 PM Thread Starter
Junior Member
Join Date: Dec 2013
Posts: 5

I am sure everyone in the business knows the answer.
Yates84 is offline  
post #3 of Old 01-09-2014, 11:14 PM
Join Date: Feb 2013
Posts: 51

I am not very sure on this. So i can't tell you much on this.
tobycrabtree is offline  
Sponsored Links
post #4 of Old 01-10-2014, 11:09 AM
Join Date: Oct 2013
Posts: 54
That is an awfully high insurance premium. You can activate it just before your first job. Make sure this is possible before hand. You can advertise that you are going to have coverage if you follow through and have coverage. Just have it all worked out ahead of time. I would call around get more quotes though.

Learn how to Start a cleaning business with the Cleaning Up Business System. Better than a franchise at a fraction of the cost! Since 2004 we have helped hundreds start their own cleaning service.
cleaningguru is offline  
post #5 of Old 01-13-2014, 05:56 PM
Junior Member
Join Date: Jan 2014
Posts: 25
This is hard because the right answer is to have it all, The real world answer may be different.

If you do carpets than the right way is to have a van mount as soon as you start, but that isn't always possible.

If you are starting up and you are the only one working, workers comp really doesn't matter...There is a savings.

What do you want to do? What do you think is right?
Mole and Jersey is offline  
post #6 of Old 02-03-2014, 02:28 PM
Junior Member
Join Date: Feb 2014
Posts: 9
get the insurance before starting

I know it's really expensive, I live in New York State too. I did not get the insurance first and I really wish I did. I'm trying to do it all now and I'm realizing that I need to charge alot more to cover all these overhead charges. If I had done it from the start, I would have charged accordingly....
KimB is offline  
post #7 of Old 05-20-2014, 10:04 PM
Junior Member
Join Date: Jan 2013
Location: Iowa City, IA
Posts: 10
get insured

You do not want to be paying out of pocket for someone getting hurt in the first week of business. That said, if you do not have employees, I'm not sure about the WC insurance being necessary. You can try to get good "starters" insurance through local agents or joining an association (yes, shameless plug) - like Membership includes insurance and bonding. These two words can also help get new customers as it helps them feel secure.

Good luck!
vandenbu is offline  
post #8 of Old 05-21-2014, 02:24 PM
Join Date: Mar 2014
Location: Philadelphia
Posts: 63
You won't need workers comp if you're just starting out and doing jobs by yourself. Depends what your situation is...

"Success is not final, failure is not fatal: it is the courage to continue that counts." -Winston Churchill
A1 Cleaning Tech is offline  
post #9 of Old 05-27-2014, 07:13 PM
Join Date: May 2014
Location: Everett, WA
Posts: 54
If you are just starting out then disability and workers comp are probably not relevant as it is just you. Don't know about NY but in WA you don't have to do workers comp on yourself. Also I don't think you need bonding since there really are no materials that are at risk. Seems you are looking at more than you really need.

Pacific Steam Co.
pacificsteam is offline  

Quick Reply

Register Now

In order to be able to post messages on the Cleaning Talk - Professional Cleaning and Restoration Forum forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.

User Name:
Please enter a password for your user account. Note that passwords are case-sensitive.


Confirm Password:
Email Address
Please enter a valid email address for yourself.

Email Address:


Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page
Display Modes
Linear Mode Linear Mode

Similar Threads
Thread Thread Starter Forum Replies Last Post
What are the Legal Rules for putting Flyers on someone's property? SanitarySpecialist Sales & Marketing 22 11-23-2019 01:48 PM
Insurance Coverage Maids_on_a_Broom Residential Cleaning 4 05-21-2014 06:22 PM
Liability Coverage ryanrachael1 Sales & Marketing 1 02-20-2011 12:22 AM
Permits and legal Brianm4289 Business 0 09-14-2010 09:49 PM

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

For the best viewing experience please update your browser to Google Chrome