Getting insurance for your cleaning business scares the daylights out of some people.
The first few things that comes to people’s mind is it’s complicated, expensive, boring, over their head, you name it.
I can understand why, as I pretty much thought the same when I first started my cleaning business. I dreaded the process for some reason. I thought it was going to be as bad as going to the dentist!
The truth is much different however, as getting liability insurance for your cleaning company is pretty cut and dry. The only issue I would worry about is getting several quotes, as that just makes sense. Why pay more than you have to right?
This means that even if you already have cleaning insurance, you should be comparing offers every now and then as well. This is KEY as it’s real easy to get complacent when you have so much going on.
At the end of the day, if you don’t pay attention to what you are paying out each month in bills, you SLOWLY start to overpay for many of the day-to-day expenses that keep your business running. This in turn means LESS PROFIT, which is Arch Enemy #1 in my book!
Cleaning Business Insurance Providers
If you don’t know where to start on insurance, then I would recommend you check out Hiscox Small Business Insurance. Just click on the banner you see below and fill out the form to get prices. This company has been around a while and they offer free quotes.
Anyway… the process of getting insurance is simple and quick. You just answer a few questions to the best of your knowledge, pick a start date and PRESTO, your insured. This is not a long drawn out process, and there is nothing scary about it.
Cost of cleaning business insurance
Before I wrap this up, let me touch on cost real quick, as I know many of you will be concerned about that. For the record, lots of folks think getting cleaning insurance is expensive. This is not the case!
The cost of insurance is directly based on RISK. In other words, all the insurance company is worried about is how much risk will they be burdened with by insuring your cleaning company.
When you are new, and have little or no customers, YOU HAVE LITTLE RISK. This means your insurance premium is SMALL. As you grow, your costs will rise, but SO WILL YOUR INCOME from your cleaning accounts. So in a nutshell, don’t worry about the cost, it’s peanuts (no pun intended).
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DISCLOSURE: I may be an affiliate for products that I recommend. If you purchase any items through my links odds are I’ll earn a commission of some kind. I only recommend products and services that I have used or think may be useful to those starting or operating a cleaning business.