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PostPosted: Wed May 26, 2010 4:04 pm   Post subject: Business from Home  

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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PostPosted: Wed May 26, 2010 4:05 pm   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 employeeÂ’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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PostPosted: Mon Jan 03, 2011 2:35 pm   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.

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PostPosted: Thu Mar 03, 2011 1:01 pm   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.

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PostPosted: Fri Mar 04, 2011 5:06 pm   Post subject:   

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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PostPosted: Sat Apr 16, 2011 10:21 am   Post subject: Work from home  

Medical insurance i guess

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PostPosted: Tue Apr 19, 2011 12:57 pm   Post subject:   

Quote:
Medical insurance i guess




Wrong guess.


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PostPosted: Mon May 30, 2011 8:09 am   Post subject:   

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



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PostPosted: Mon May 30, 2011 11:41 pm   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).



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PostPosted: Tue Jun 12, 2012 8:39 am   Post subject:   

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

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PostPosted: Wed Jul 04, 2012 5:15 am   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.

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PostPosted: Wed Jul 04, 2012 3:38 pm   Post subject:   

Quote:
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.


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PostPosted: Mon Jul 16, 2012 6:49 am   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..

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PostPosted: Mon Jul 30, 2012 12:23 pm   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?

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PostPosted: Mon Jul 30, 2012 1:20 pm   Post subject:   

Do about what?



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