Where can i get insured and bonded for my housecleaning company?
I am starting a housecleaning business and i don't know what kind ofinsurance i need. around how much does it cost. where do i go. I been cleaing houses but i wanted to have everything legal. thank a million
- 1 decade agoFavorite Answer
Believe or not your car insurance offers it.
- Anonymous1 decade ago
Yes, there is insurance and bonds for house cleaning. It generally falls under the janitorial heading.
Some states require you to be insured and bonded, others don't. Check with your state to see if it is required. If you are required to hold a license of some sort (such as a contractor's license) then it is probably going to be a requirement to get bonded and insured.
Rates vary tremenously for this type of business insurance. I've seen insurance policies for one person janitors for as little as $250 in years past but the minimum premium that I've seen lately has been around $500. Bonds will depend on the type of bond needed. A license bond will be around $250 if your credit is good. If your credit isn't good, it will be more. If a personal bond will suffice, they can run as little as $50. Again, you will need to check to see if and which type of bond you will need.
Talk to an agent in your area that has experience writing insurance for small businesses. They should be able to answer most of your questions. If you need help finding an agent, check your yellow pages under commerical or business insurance.
- AnonymousLv 71 decade ago
General liability coverage runs around $1500. The bond, depends on what type of bond you're looking for - it only covers employees, not the owner - usually it runs around $250 per bond.
You REALLY need to sit down and talk to an insurance agent about exactly what's covered. MOST people who clean houses (legally, I might add, doesn't mean "with insurance and a bond) can't afford the added expense of insurance and bonds, and are pretty much judgement proof.Source(s): agent, 21+ years
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- 1 decade ago
You need the following:
1. A janitorial bond- HCCsurety.com- It is cheap
2. You need general liability..
3. If u have employees, u wil need work compSource(s): insurance agent 10+ years
- Anonymous5 years ago
Hope this helps!Source(s): insured bonded housecleaning company: https://bitly.im/c13/where-can-i-get-insured-and-b...