24-Hour Cleaning Liability Insurance

How Much 24 Hour Cleaning Liability Insurance Do I Need?

24 hour cleaning liability insurance

Many people think 24 hour cleaning service providers are too small to carry automobile liability insurance. However, a policy can protect both people and property if you’re ever in an accident. The fact is that you can’t predict the driving habits of employees or other drivers, so this insurance is vital. Here’s why. Read on to learn more about the different kinds of insurance you should carry. In addition, 24 hour cleaning companies should consider purchasing workers’ compensation insurance to ensure their employees are properly protected.

General liability insurance

In addition to general liability insurance, a 24 hour cleaning company should carry auto insurance as well. This type of insurance will cover you in case you or one of your employees get into an accident while working on your property. This insurance is important because you cannot predict the behaviour of your employees or other drivers. The resulting lawsuit may cause a financial loss for you or your company. In addition, you may have to replace some property due to damage.

Workers’ compensation insurance

If you’re considering getting 24 hour cleaning liability insurance, you may want to consider getting Workers’ Compensation insurance as well. While each state has its own requirements for Workers’ Comp coverage, most require you to carry it. In some states, you may only need to carry this coverage for occasional employees, but not if you have employees that work every day. If your business is small enough to cover a few workers, it’s a good idea to carry this type of coverage.

Commercial property insurance

A business owner may need to purchase both liability insurance and inland marine insurance to protect their assets, including equipment and supplies. Inland marine insurance follows equipment to and from work sites and can be written on an actual cash value basis. Unlike liability insurance, which only covers items in the same location as the policy, inland marine insurance follows equipment and supplies as they move between different locations. This coverage can also cover the costs of replacing equipment and supplies.

Errors and omissions insurance

Most business owners ask: “How much error and omissions insurance do I need?” The answer varies based on your industry, size and exposure level. Errors and omissions insurance protects you from lawsuits by covering legal fees and settlements. For a small business, this insurance may be more than enough, but for larger ones, you’ll want to consider the following options.

Janitorial bonds

While it may seem like a hassle to obtain a janitorial bond for your business, it’s actually not that difficult. If your company is small enough, a bond can be obtained without a credit check, and the price varies based on the amount of coverage and how many employees you have. If you’re looking for a quick and inexpensive way to protect yourself, here’s how to get started:

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