Are you planning to start a cleaning company? If yes, then you must consider having liability insurance for cleaners before you walk into anyone’s house or office to clean the mess.
What is liability insurance?
Liability insurance for cleaners is a type of insurance policy that protects a business or an individual from the risk of being legally sued and held legally liable for something such as injury, damage to property, malpractice, etc.
Why liability insurance for cleaners?
To prevent unwanted out of pocket expenses, it is crucial that a cleaning company must have liability insurance that covers all possible unfortunate scenarios. It is better to safe and secure!
You are a startup
If you are an entrepreneur, then you would normally be considering your business as an independent contractor. Contractors also need insurance just like any other business that deals with the public, and even a maid service provider can consider commercial liability insurance. Depending upon what level of liability you require, you can choose a policy.
On the flip side- if you are a well-established business
Considering all the risk your business may face will help you to decide the level of liability. A cleaning service provider needs to protect them from damaging vehicle and equipment, injury, damage to customer’s property, and even crime like robbery. In addition to this, you can also consider insuring your business from other problems such as damage to business records, damaged keys, damaged caused by backed up drains.
Contact an insurance agent
Contact an insurance expert that offer advice on liability insurance for cleaners. Or, you can directly get in touch with an insurance provider; normally the company will recommend you some packages according to your need. You may also want to get bonded, which can help you to grow your business. And in fact, most big organizations only opt for cleaning service provider that are bonded to bid on their project, so a bounded insurance is a perfect addition to your company’s credential.
It is an added advantage- grow your business
Most individual only hire a cleaning company which has adequate liability coverage. They want their property is protected against theft or damage. Your potential clients also wish to avoid costly lawsuits, if some unfortunate happens to any of your employees. Therefore, a business with insurance liability is much more attractive to potential clients than an un-insured company. Sharing your liability coverage details with your potential customers may give you an edge over other companies of your domain that lack proper insurance coverage. Simply, advertise it to the fullest on your service brochure and online.
While it may seem an added expenses and a hassle to buy liability insurance, but it is as simple as wiping dust from the cupboard. It is worth the time to research online and compare packages to ink the best policy. You may also contact your business advice for recommendations for insurance service provider. Check a number of factors, and never sign the document with the first insurance provider you come across.