insurance and bonding companies - Cleaning Talk - Professional Cleaning and Restoration Forum
 
Thread Tools Display Modes
post #1 of Old 12-12-2011, 04:22 PM Thread Starter
Junior Member
 
Join Date: Dec 2011
Posts: 10
insurance and bonding companies

Hello,

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.

Peter
vbpete888 is offline  
Sponsored Links
Advertisement
 
post #2 of Old 12-13-2011, 07:00 AM
Member
 
Dmreed4311's Avatar
 
Join Date: Oct 2011
Posts: 76
I have one million liability and it is only 78 dollars a month.
Iam being sued for a slip and fall which is fake but thank god i have insurance because they are going after 150k

Carpet cleaners Brandon Fl
Carpet Doctor
212 East Ross Ave.
Tampa fl 33602
(813)440-8335
Dmreed4311 is offline  
post #3 of Old 02-14-2012, 10:26 PM
Member
 
Join Date: Feb 2012
Posts: 86
Quote:
Originally Posted by Dmreed4311 View Post
I have one million liability and it is only 78 dollars a month.
Iam being sued for a slip and fall which is fake but thank god i have insurance because they are going after 150k
holy crap I didn't know you were getting sued DM? how is it going? i am thinking of getting an umbrella policy to cover my 1 million liability and my commercial vehicle liability.
ayetti is offline  
Sponsored Links
Advertisement
 
post #4 of Old 02-16-2012, 04:49 AM
Senior Member
 
Join Date: Sep 2011
Posts: 386
Insurance and liability both are necessary if you are going to start a business because you can't run long if you lack in reliable clients.
katty is offline  
post #5 of Old 02-16-2012, 02:54 PM
Member
 
Join Date: Feb 2012
Posts: 86
Quote:
Originally Posted by katty View Post
Insurance and liability both are necessary if you are going to start a business because you can't run long if you lack in reliable clients.
Even though this is worded funny, she is absolutely right! You can do work for awhile as a carpet cleaner or janitorial business without insurance, but you will pay an unintended consequence. When you avoid the overheads of a legitimate business you also avoid the customers and possible business growth that comes with legitimacy. At least as a carpet cleaner in California you should always have a minimum of one million in liability and probably more. I pay almost twice what DM pays but I am in a different state and may have my insurance set up different. I know I pay extra for a policy that relieves any property management company or trust or any legal entity that may contract my services of any liability. This is necessary because if it is configured normally they can be left with some liability for your work
ayetti is offline  
post #6 of Old 03-04-2012, 05:29 PM
Senior Member
 
Join Date: Mar 2012
Posts: 101
You need to get an insurance and you need to pay WC if you have people working for you. This eliminates any claims against the customer for injuries occurring in the place of cleaning. If you have subcontractors working for you, they need to have their own insurance, otherwise you, as a "main" cleaning contractor would be still responsible for anything that happens under your contract.

clean4real
bloun is offline  
Reply

Quick Reply
Message:
Options

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

Password:


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

Email Address:
OR

Log-in










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
Bonding Vs Insurance discountcleaners Business 6 01-27-2013 12:15 PM
insurance or bonding? Elite Floor Care General Discussion 18 05-11-2011 11:11 PM
Insurance & Bonding bluefish Business 1 04-20-2010 08:14 PM
Please help with getting Insurance! SanitarySpecialist Business 3 10-12-2009 10:56 AM
Bonding and Liability Insurance Superior Housekeeping Business 2 05-27-2007 07:40 AM

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