I do provide all the equipment and chemicals. I prefer to use products I know clean well and smell nice because that is what my customers seem to want. It doesnt add much expense, and is worth any excess expense, to keep customers happy.
I choose not to have insurance. If I make a mistake and get injured, its my fault. I work very carefully, and cleaning a house is a whole lot safer than cleaning, say, roofs, or buuildings with high ledges, etc., that need to be dusted.
I think everyone has to find their own niche in this business. For me, that has been homes with pets, because I really do enjoy working and being around animals. Many pet owners are hesitant to have someone clean for them, because some house cleaners turn their noses up at kitty litter, dog slobber and whatever else. I promote my business by telling people that I DO like pets of all sorts, and that none of the supposed "pet messes" will bother me. Because they dont!
Years ago, when I was recovering from a major illness, I hired a woman to clean my own home. I was using a walker at the time, and owned 5 cats. You can only guess at how grubby my house was! Kitty fur rolling iin balls, kitty litter on floors, etc. Well, this woman made it absolutely clear that my home was beneath her. And she did a lousy job of cleaning, too. I felt as small as a speck of dirt that day. I paid her $60 to be made to feel awful! And vowed I would never do this to anyone again. As I look back, my home was NOT that bad - just a lot of cat hairs everywhere. It didnt come ANYWHERE as being as dirty as some houses I have cleaned! Just untidy and it was plain that I could not do the cleaning myself.
Life can teach us a lot of lessons and this was one for me.