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 Posted: Wed May 26, 2010 4:04 pm Post subject: Business from Home |
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What kind of insurance do I need for an office cleaning business? It is just me and my daughters right now, but am hoping to expand. I operate from home and intend to continue to do so.
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BubblesDK
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| Posted: Wed May 26, 2010 4:05 pm Post subject: |
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I wanted to take just a moment and elaborate on some of the answers that have been provided, just to give you a little more insight.
A general liability policy is designed to cover you against liability (i.e. lawsuits) that could arise because of a mistake made by you or one of your employees.
An employee dishonesty bond would provide coverage in the event one of your employee’s stole from your client (there are certain provisions that must be met for coverage to apply though).
You might also want to discuss with an insurance agent about coverage for you and your daughters if you are injured while working.
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Greg Marcyniuk
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GregHeritage
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| Posted: Mon Jan 03, 2011 2:35 pm Post subject: Liability insurance |
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A good full liabilityy policy would be enough for an office cleaning business. In case you broke smth or get injured.
Injury insurance may be an extra one as well. |
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mattbaker
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| Posted: Thu Mar 03, 2011 1:01 pm Post subject: |
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| Your state insurance department is the authority for providing you the insurance policy on a small business at home, it will cover all the employee as well as your equipments. |
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stevenricherd
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| Posted: Fri Mar 04, 2011 5:06 pm Post subject: |
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| Quote: | | Your state insurance department is the authority for providing you the insurance policy on a small business at home, it will cover all the employee as well as your equipments. |
No, they won't. The states are not in the business of providing coverage for business. Don't know where that came from. There are a few states that monopolize worker's comp- but that's about it. If you call the state, they'll simply tell you to contact an insurance agent.
So, contact an experienced commercial insurance agent.
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InsTeacher
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| Posted: Sat Apr 16, 2011 10:21 am Post subject: Work from home |
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| Medical insurance i guess |
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shanemiller
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| Posted: Tue Apr 19, 2011 12:57 pm Post subject: |
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| Quote: | | Medical insurance i guess |
Wrong guess.
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MaxHerr
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| Posted: Mon May 30, 2011 8:09 am Post subject: |
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The basic business insurance normally includes general liability insurance. This will Protect you and give your Business some Credibility.
Loss Assessors |
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meenakshidpfoc
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| Posted: Mon May 30, 2011 11:41 pm Post subject: |
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General Liability insurance does not give any business "credibility" -- it merely protects others against the negligence of the business owner and/or their employee(s).
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CA-licensed P&C Broker-Agent and Life Agent. CA Insurance Lic #0596197. Now investigating insurance company abuses, and providing litigation support and expert witness services. Send me your questions, and I'll send you my answers. |
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MaxHerr
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