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

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.

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

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