Insurance and bonding companies - Cleaning Talk - Professional Cleaning and Restoration Forum
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post #1 of Old 12-12-2011, 05:38 PM Thread Starter
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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.

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post #2 of Old 12-12-2011, 05:52 PM
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Join Date: Nov 2011
Location: New Jersey
Posts: 50

I went through Moody's insurance website, They are a nationwide company and I feel like they really listened to me and took care of my needs. We live in NJ, have a $1M general liability insurance policy and pay around $750/yr. Good luck with whoever, you decide to go with.

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post #3 of Old 12-12-2011, 06:07 PM Thread Starter
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thank you

Thank you so much for the reply. I did some more digging and found this one as well on the website, and another local independent contractor in arizona, Not sure who has the best prices or who can insure people living in Florida, but it is great start. I like to plan ahead and I know getting this part setup is the first step along wiht my state business licensing requirements. Thank you so much for the help and i hope some other people could chime in and point me in the right direction of a few more companies that might be worth looking into.
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post #4 of Old 06-11-2012, 02:52 PM
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Join Date: May 2012
Location: Phoenix AZ
Posts: 47

Next time you renew your insurance, look into Farmer's Insurance. I have $1MM/$2MM for liability and $5M for employee bond. Their prices are very reasonable (I pay $140 per month) and responsive to add your customers as additional insured.

Best of LUck.

OSA Janitorial Services
Phoenix, AZ
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