Insurance and bonding companies
I am looking to start a residential cleaning business with my wife and need to get liability insurance and bonded. I live in Florida. I have tried searching google and called various comparison insurance quote companies and tried searching this website for various companies that I could contact to get these services, but I have only seen various prices people might be paying for these services vs. the actual companies that I might need to contact. I would really appreciate if anyone on the forum could point me in the right direction. I am looking for something affordable and has a good repuation, but it does not have to be some big major insurance company by any means.
From what I looked at, I might be able to have a 10,000 bond and 100,000 insurance. Ideally, I would like to have 1M for the insurance coverage but I am not sure how big a jump in price that is and might just want to keep my costs as low as I can. If the 1M coverage is worth it when comparing the costs, then I will surely consider it.
Also, about employees working for the company. I read that you have to pay for WC insurance if you have any employees working for you in this field and there seems to be no way around it. Is there any way to 1099 somebody as an independent contractor or anything like this and not have to pay extra fees for WC.
Please PM me if you would like to let me know any companies that might be able to help me with the insurance and bonding.
Thank you so much for your time.