Maid Service Insurance
The cleaning services field is worth more than $46 billion, and it’s expected to grow in the coming years (Source: Bureau of Labor Statistics). If you want one less thing to worry about as you focus on growing your maid service, getting the right insurance coverage can help. If you’re not sure how a maid service insurance policy would assist you, consider the kinds of coverage it will likely include.
Maid Services Need The Following Insurance
Business Liability Insurance (GL): When you have to go to different properties every day for your business, it’s more important than ever to make sure you have general liability coverage. This aspect of your maid service insurance policy is responsible for paying the medical bills of anyone who gets injured on any property that is linked with your business. This means that if you are cleaning a house and the homeowner trips over a bucket you are using, your general liability coverage will kick in and pay for any medical bills related to the incident. General liability also applies when someone’s personal possessions are damaged on the property associated with your business. For example, if you spill cleaning chemicals on a purse that belongs to the owner of the house you are cleaning, the general liability coverage you have on your maid service insurance will pay for repairs or will even replace the purse.
Business Personal Property Insurance: Whether you have an office where clients can reach you or just a small room where you keep the supplies for your maid service, BPP will protect your business property. After all, you need a way to pay for repairs in case it ever burns down, gets vandalized, or is ever destroyed in any way. You also need a way to pay to replace any items on the property that you need for your business, from furniture to equipment, since there’s always a chance it will be stolen or damaged. BPP can provide the coverage you need to keep your business property safe.
Workers Comp Protection: If you employ anyone as part of your maid service company, you owe it to your employees and yourself to get workers compensation when you obtain a maid service insurance policy. When you have this coverage, you know your staff members will be covered if they get injured while cleaning for any of your clients. When you work in this industry, you work with a lot of different chemicals and equipment, some of which can be dangerous and may require medical attention when things go wrong on the job. If you do not want to have to pay the associated health bills for your employees, you should let your workers compensation coverage do so instead.
Umbrella/Excess Liability: Running a business of any kind means you are responsible for any incidents that may occur in your workspace, which is why you should have general liability when you get maid service insurance. But you can take it one step further and protect your business more by increasing your coverage with excess liability.