Insurance for a home cleaning business consists of policies that cover the risks you are most likely to encounter. A residential cleaning service’s needs are best covered by:
Why Do You Need House Cleaning Business Insurance?
What happens if an employee or a customer becomes sick from the toxins in a cleaning solution? An employee breaks an ankle after slipping on a wet floor? Your cleaning solutions cause damage to your customer’s surfaces or carpeting? Your equipment damages your customer’s valuable property? Your employee accidentally destroyed the customer’s clothing while doing laundry? Your equipment is damaged by fire or stolen from your office?
So many things can go wrong! B2Z offers residential cleaning insurance to help reduce the risks that expose your business to costly liability while providing you the means to get your equipment fixed or replaced and pay the medical bills of employees and customers hurt while on the job. With residential cleaning service insurance, you can stop worrying about what might happen and hone in on making your cleaning business a success.
Whether your business is focused on house cleaning, housekeeping and maid services, or carpet cleaning, you need the right home cleaning insurance to properly protect your business, your employees, and your customers and their properties. You need B2Z Insurance to ensure you get the right coverage at the right price—your way.
What Kind of Insurance Coverage Do You Need?
Workers’ Compensation Insurance.
Practically every business in every state is required to purchase workers’ comp coverage. A workers’ comp policy helps pay the medical bills and missed wages of your employees if they become ill or injured on the job. While employees who receive benefits cannot sue you for injuries or lost income, they can sue for things that are not covered. Workers’ comp protects employers in this case by paying for legal fees and court costs.
Business Owner’s Policy (BOP).
This type of policy is not required, but it is highly recommended for small cleaning service businesses. By combining property with general liability coverage, the BOP is a convenient, cost-effective choice for small businesses. Any small cleaning business with an office, equipment that can be damaged or stolen and a chance of being sued—which describes virtually every cleaning business—should purchase a Business Owner’s Policy.
Some residential cleaning services purchase additional insurance. The most popular policies are those that cover data breaches, business-owned automobiles and professional liability.