5 Tips for Securing Small Business Insurance for Your Cleaning Service

How do you go about finding small business insurance for your cleaning service? How do you understand what you need? You don’t want to overspend, but you also want to be prepared. These five tips will help guide you through the process of finding the right small business insurance plan that works for your cleaning service.

 5 Tips for Securing Small Business Insurance for Your Cleaning Service

1) The importance of having proper insurance

Imagine if a customer of your cleaning service slips and falls in your store. What happens if you are sued? You won’t be able to run your business if you have to pay a huge settlement out of pocket. The solution is proper insurance. 

If you run a small business, it’s imperative that you take care of yourself financially and get quality coverage from an experienced insurance agent. In fact, getting good coverage will save your business money in the long run. Here are five tips for securing small business insurance for your cleaning service

2) What kind of insurance do you need?

If you work as a subcontractor, cleaning houses on behalf of someone else, that person is technically your employer. So if you get hurt while cleaning one of those homes and they decide not to pay your medical bills or compensation (this does happen), you don’t have a case against them because it would be covered under their business insurance. 

Protect yourself by getting small business insurance for your cleaning service; doing so will ensure that you have coverage in place should any incident occur on a job site and someone refuses to cover your medical bills.

3) How much does it cost?

Just as with any business, you need to make sure your cleaning service is covered by insurance. There are a few key questions to ask when figuring out how much small business insurance will cost you: How much is each policy costing? Do I have coverage in case of fire or water damage? Does my home insurance policy cover me? Are there any regulations that prevent me from offering certain services (such as asbestos removal)? If so, do I need additional coverage for these services? While you’re looking into getting small business insurance for your cleaning service, consider getting it for other aspects of your company. 

Do you offer outdoor landscaping services in addition to indoor cleanings? If so, it might be worth thinking about incorporating that into one large plan.

4) Choosing a good carrier

It’s important to shop around and compare policies when securing small business insurance for your cleaning service. Though you may be tempted to go with one of your existing carrier’s package deals, be sure to read through everything before signing up. 

Doing so will save you from hidden charges or coverages you don’t need, and it could ultimately lower your overall costs. It may seem like a daunting task, but take comfort in knowing that online resources can help walk you through comparing different plans. 

For example, Insureon provides free quotes on small business insurance policies from a wide range of carriers. You can even get matched with an agent who specializes in janitorial services—just use our Instant Quote tool!

5) Get proof of coverage

If you have personal insurance, be sure to include that in your application. If you don’t, look into purchasing business-only insurance with a low deductible—you may not think you need it now, but once you start hiring employees or taking on big contracts, accidents can happen. It’s better to get proof of coverage before something happens than wait until it does and then have your claims denied because you didn’t have small business insurance for your cleaning service. 

To avoid confusion about who is covered by insurance in case of an accident and keep a clean record, double check with your local business bureau that all involved parties are properly insured and licensed if applicable.