Suit Happens! Lawsuit that is… to any cleaning business contractor’s business – at any time – that’s why every cleaning contractor and cleaning businesses needs to be covered by commercial general liability insurance. A customer may claim that a cleaning business simple service mistake, defective product, or disregard for the property of others caused harm.
Then there’s that all mighty job killing “Certificate of Insurance with an Additional Insured Endorsement” that allows a cleaning business contractor on the job site – or just to get paid for a completed job!
Commercial General Liability (GL) insurance pays attorneys’ fees as well as damages your business is found liable for – up to the limits of the policy. GL will also pay claims of injury arising from your work, a customer’s slip and fall at your business location, or damage caused by you to the property of third parties. Find out how much general liability for cleaning business contractor insurance will cost here.
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In most states contractors are required by law to buy work comp insurance for cleaning business contractor, even for just 1 part-time helper. In fact, some contract bids require a worker’s compensation certificate of insurance – just to get the job – even if there are no employees!
The mandatory coverage protects a cleaning business contractor business owner from workplace accident lawsuits and provides medical care and compensation for lost income to employees who become injured in a workplace accident or work-related illness.
Payments are made to injured workers without regard to who was at fault in the accident, for medical services including rehabilitation and for time lost from work or death benefits to surviving spouses and dependents. Find worker’s compensation for cleaning business contractor insurance cost here.
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As a cleaning business contractor you need the same coverages for the car or truck used for business, as a vehicle driven for personal use, such as; third-party liability, comprehensive and collision, uninsured motorists, medical payments and towing.
If you drive a private vehicle for work, then you need business or “artisan use” added to your personal insurance policy. However if your vehicle is a commercial truck – or you’re required to provide a one million dollar certificate of insurance for commercial auto – then you’ll need to purchase Commercial Vehicle Insurance for a cleaning business contractor.
If you rent vehicles for work or your employees drive their personal vehicles for work, you’ll need to add Hired / Non Owned Vehicle Coverage. Get cleaning business contractor insurance cost for your truck here.
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Determine the bond capacity for your cleaning contractor business with low price leading bond companies – privately – with one simple and secure online form.
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Compare surety bond cost and rates for contractor license or construction bid, performance, payment, maintenance, supply, subdivision and site improvement contract bonds.
Great website! I was able to compare several companies and I saved $300 off my renewal!
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Janet C.I knew I was paying too much for insurance – I lowered my annual policy by over $700 today.
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