14 Apr Insurance for Carpet Cleaning Companies
Insurance for Carpet Cleaning Companies
Carpet Cleaning Companies perform an important service that many people utilize for their homes and businesses. With every business, obtaining the right Insurance is important, and Carpet Cleaning Companies are no different. We will go over the most important coverages you may need for your Carpet Cleaning Business.
Insurance for Carpet Cleaning Companies – General Liability
General Liability is an important coverage for most businesses, and this is true for Carpet Cleaning Companies as well. General Liability may protect you against claims that arise from your operations, including property damage and bodily injuries to third parties. While these occurrences may seem unlikely, they do happen, and can cost you millions, depending on the accident. With that said, you should be carrying a proper General Liability policy to assure you are protected in case an incident may arise.
Insurance for Carpet Cleaning Companies – Commercial Auto
Commercial Auto is another important coverage that is sometimes overlooked by Carpet Cleaning Companies. This is because many companies do not realize that the automobiles they use for business use should be covered under a Commercial Auto policy. Depending on your driving history and limits of coverage, Commercial Auto is often quite affordable, and you can sometimes obtain a multi-policy discount on this policy by carrying a General Liability policy as well. When shopping for Commercial Auto Insurance, we typically recommend carrying $1,000,000 Combined Single Limit coverage limits.
Insurance for Carpet Cleaning Companies – Workers Comp
Depending on the size and scope of your operations, you may need to carry Workers Comp. If you operate a Carpet Cleaning Company with employees, you should carry some form of Workers Comp to assure these employees are covered in case of an accident. In many states Workers Comp is required by law, but regardless of the state requirements, employers can still be held liable for employee injuries even in states where Workers Comp is non-compulsory. With that said, it is critical you purchase this important coverage to avoid any issues if an employee is injured.
If you would like to learn more about Insurance for your Carpet Cleaning Business, give us a call! You can reach us at 925-297-4829.
All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.