Insurance Coverage - Cleaning Talk - Professional Cleaning and Restoration Forum
 
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post #1 of Old 10-25-2012, 02:57 PM Thread Starter
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Insurance Coverage

We just got a few clients with expensive interior. They have statues and paintings worth ten thousands of dollars each. We do have a 2 million General Liability Insurance but Voluntary Damage to Property of Others is just covered with $5,000 per occurrence.

If we - for example - break a glass statue that is worth a fortune, who had to pay for that? Do we have to have an insurance that covers this or is the homeowner required to have an insurance for such expensive things?

Thanks for any helpful tips.
Maids_on_a_Broom is offline  
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post #2 of Old 10-26-2012, 10:42 AM Thread Starter
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Seems to be a good question. What coverage do you have for clients' homes?
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post #3 of Old 11-03-2012, 01:43 AM
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The services you provide definitely needs to be careful with various items in the house, but dealing with such expensive things must have insurance by the customers else you should prefer not even to go near it as the claim will be put upon you if anything happens. In most cases things like these do have insurance cover by the owners.
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post #4 of Old 11-03-2012, 07:24 AM
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This article may help you!!!
scouting.org/scoutsource/HealthandSafety/Alerts/Insurance.aspx
selena adams is offline  
post #5 of Old 05-21-2014, 06:22 PM
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Quote:
Originally Posted by katty View Post
The services you provide definitely needs to be careful with various items in the house, but dealing with such expensive things must have insurance by the customers else you should prefer not even to go near it as the claim will be put upon you if anything happens. In most cases things like these do have insurance cover by the owners.
First, if the home owner has insurance on the item, and the item is worth a lot of money, the insurance company will investigate. If they find that a paid worker damaged the item... they most likely will not pay and get into a legal battle with the worker's insurance company. When a worker enters the home, the responsibility for their actions becomes theirs, not the owner of the home; thus their insurance company will not pay the claim unless the home owner's insurance states that they will cover damage done during paid, third party work (highly unlikely). FYI, insurance through our association (Eco-Friendly Residential Cleaners Association) would cover this scenario (the statue being damaged while you were cleaning). $1M general liability coverage (covering damage to property and persons) as low as $379 per year.

Good Luck!
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