Carpet cleaning is one business where having insurance is an absolute necessity. When you go into a client’s home or office, you run the double risk of damaging property and exposing individuals–including yourself and/or your employees–to potential health hazards.
The main type of insurance you need to have is liability coverage. This will protect you and your business from messy financial problems in the event that something goes wrong and you accidentally damage a carpet, a rug, furniture or anything else belonging to a client. It will also cover you should that client–or any of that client’s associates–get sick as a result of any of the solvents, powders or other cleaning products you may be using.
It’s also a good idea to get your cleaning equipment insured as well. Let’s say your steam cleaner, air mover and/or dehumidfier get damaged, worn out or stolen and you don’t have a policy to cover the loss. Then you’ll have to pay out-of-pocket to have your equipment replaced. And if you don’t have the money to do that, then you’ll not only be out of luck you’ll also be out of work.
And finally, there’s the all-important workers compensation insurance. Your clients are not the only people who could get sick or injured as a result of the services you provide. If you have employees, they need to be covered, too. Workers compensation will ensure that your workers will receive the care they need should their health be compromised on the job and keep you from having to pay for medical costs.
If you’re unsure about where to start or which policies are best for your particular business, the brokers at Statewide Insurance can help you sort out any questions you may have and provide you with the best quotes anywhere. We take pride in offering top-notch service for contractors only, so we know the industry inside out. Contact us and experience the Statewide difference today!