What is the importance of business insurance for cleaning professionals?
Business insurance can provide protection against various accidents and risks that a cleaning business may face, from a customer slipping on a wet floor to being accused of property damage or theft.
By having the appropriate insurance coverage for your cleaning business, you can avoid paying for damages or legal fees out of your own pocket in the event of an accident or legal action taken against your business.
If you run a cleaning business, it’s important to have liability insurance to protect yourself from potential costs and legal action. This insurance can cover damages if a client accuses you of causing harm to their property, such as an expensive carpet, or if someone is injured due to your work.
At Ted Hamm, we offer two types of liability insurance as part of our business insurance packages:
General liability insurance is a popular choice among cleaning business owners as it covers common accidents that can occur while working with clients, such as property damage or injuries to non-employees. For example, if someone trips over your cleaning equipment or you accidentally break an expensive vase, this insurance can help cover the costs.
Errors and omissions insurance, also known as professional liability insurance, provides financial protection in case a client claims that you didn’t do a satisfactory job or made a mistake that caused them to lose money. Even if the accusation is unfounded, you may still have to pay to defend your business if legal action is taken. Professional liability coverage can help cover legal expenses or the costs of correcting any mistakes made.