Insurance for Cleaning Services

As a cleaning service business, training, experience and customer service is not enough to keep your business out of financial ruin. Your business will be at risk of lawsuits, job site accidents and property damage. An insurance is your business's safety net when the unexpected happens.

A bond provides a way to guarantee your contracts with your clients. A typical surety bond will cost around $100 per year for $10,000 coverage.

When your business is bonded and insured, it means that your cleaning business has taken the necessary measures to protect your company and the interests of your clients. Being bonded means that your business have a Surety Bond and being insured usually means that you have General Liability insurance.

Contents Insurance will cover the cost of items that break when cleaning. Depending on the insurance, the damaged property could be replaced with a similar item or be reimbursed with the item's most recent equivalent price.

These establishments mainly provide cleaning and dyeing services to customers' carpets, rugs, and upholstery. Running a cleaning services business is a valuable service. You help customers increase the life of their carpet, rugs, and upholstery; and help keep families healthy by removing unwanted dirt, pollen, and germs from high traffic areas. It also takes you on the road traveling to many different locations. Constant travel makes it easy to forget an important component of running a successful cleaning service business.

Buying insurance is necessary to protect your business from potential lawsuits, mistakes, and damage to customer’s property. Take a look at the many risks you need insurance protection from:

• Auto Accidents: The majority of your work is completed at a customer’s location which requires traveling. If you or your employees are involved in an auto accident and held responsible, your business can be responsible for damages to property and injury to other parties involved.
• Damage to Customer’s Property: Every home is different, and some require unique maneuvering from room to room. What happens if an antique clock is knocked over or chemicals spill staining the carpet or upholstery? You will be expected to replace it.
• Employee Theft. Employee vetting procedures are not ironclad. It is possible to hire a new employee, send them on a job, only to receive a call from an angry customer with theft allegations.
• Employee Injury: Cleaning carpets and upholstery requires heavy lifting of equipment as well as a lot of kneeling and bending. When an employee moves the wrong way, they can end up seriously injured. Your business is responsible for any medical expenses and lost wages.
• Dissatisfied Customers: Even though you strive to deliver quality cleaning services every time, it is not always possible. Sometimes customers are not satisfied with the outcome and expect you to reimburse them. There are more risks you need protection against including third party injuries, employment-related claims like discrimination, or allegations that your work caused serious damage to a home or business.