Business from Home

Submitted by Anonymous (not verified) on Wed, 05/26/2010 - 16:04

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.

Posted: 26 May 2010 04:05 Post Subject:

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.

Posted: 03 Jan 2011 02:35 Post Subject: Liability insurance

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.

Posted: 03 Mar 2011 01:01 Post Subject:

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.

Posted: 04 Mar 2011 05:06 Post Subject:

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.

InsTeacher 8)

Posted: 19 Apr 2011 12:57 Post Subject:

Medical insurance i guess



Wrong guess.

Posted: 30 May 2011 08:09 Post Subject:

The basic business insurance normally includes general liability insurance. This will Protect you and give your Business some Credibility.

[Link removed - Admin]

Posted: 30 May 2011 11:41 Post Subject:

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).

Posted: 12 Jun 2012 08:39 Post Subject:

you must choose a insurance that provide good liability and can protect your business.

Posted: 04 Jul 2012 05:15 Post Subject:

You should get basic business insurance for your home based business like general liability insurance, commercial auto coverage and equipment breakdown. This may help and protect your home based business from unexpected mishaps. If you start expanding, then try to buy insurance covering the worker compensation.

Posted: 04 Jul 2012 03:38 Post Subject:

If you start expanding, then try to buy insurance covering the worker compensation.


This is not exactly the correct advice. It has nothing to do with expanding, it has everything to do with having an employee.

Any business that has at least ONE employee other than a sole proprietor (and generally excluding immediate family members in most cases) must provide its workers with coverage under Workers' Compensation laws. Failure to provide the WC Insurance is a crime, and exposes the business owner to PERSONAL LIABILITY for the worker's job-connected injury or illness.

It makes no difference if the business is home-based -- a business is a business.

Posted: 16 Jul 2012 06:49 Post Subject: Business from home

I think you must choose business insurance for liability and you should have visit plan from Helios group at United States... I think you have solve problem by Helios group..

Posted: 30 Jul 2012 12:23 Post Subject:

My wife is also facing such type of problem. She is running a beauty parlor now she is pregnant not able to do travell and she does not close his parlor what she has to do?

Posted: 30 Jul 2012 01:20 Post Subject:

Do about what?

Posted: 11 Oct 2014 07:18 Post Subject:

General liability insurance is good for your small business, as it consist of many coverage benefits such as special rate reduction, claims responsiveness, monthly payment option.

Posted: 01 Nov 2014 12:03 Post Subject:

You should use General liability insurance, or GL, for cleaning insurance. It provides protection against lawsuits and other financial liabilities.
GL is bundled with the various Business Owners Policy.
You can also use Compensation insurance through the Progressive Commercial Advantage program, it cover the medical cost of an employee.

Posted: 06 Nov 2014 04:43 Post Subject:

You should use General liability insurance, or GL, for cleaning insurance. It provides protection against lawsuits and other financial liabilities.

This is NOT an accurate statement. General Liability insurance does not cover "financial liabilities", it covers losses as stated in the contract. As for protection against lawsuits, that would only be true if the suit involved a [potentially] covered loss. There is no legal defense provided for things not covered by the contract.

As always, a person should get their insurance through a local agent or broker. And on this site, don't take advice from persons like ShariDaniels who are not licensed insurance producers.

Posted: 17 Nov 2014 11:14 Post Subject:

For small office cleaning company you can choose one of these insurance policy to protect yourself and your clientele:
General Liability Insurance
Business Owner's Policy
Workers' Compensation Insurance
Property Insurance
Umbrella / Excess Liability Insurance
Commercial Auto Insurance

Posted: 17 Nov 2014 03:10 Post Subject:

For small office cleaning company you can choose one of these insurance policy to protect yourself and your clientele:


COMPLETELY WRONG.
Please explain how a Workers' Compensation policy would protect a customer or other member of the public?
Please explain how an Umbrella policy would protect a business owner who carries no other liability insurance?
Please explain how a Commercial Auto Policy would protect a business owner whose employee suffers a back injury while cleaning a small office?
Please explain how a Commercial General Liability policy would protect someone who is injured in a collision with one of the vehicles owned by a small business owner?

Most business owners need a combination of coverages to be fully protected against the claims of employees, customers, and other members of the general public.

Raymond . . . please be careful what you post, because you don't know as much about insurance as you think. And that makes you a little dangerous.

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