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Post by jdinstl on Dec 14, 2005 12:21:14 GMT -5
Renovare's van was stolen last night. Along with a full tank of gas, new tires, theives made off with a snow blower and Kent 1501D burnisher.
It's all insured.
Which brings another point regarding insurance. Contents coverage. Get it!
Liability Insurance. No debate - just get it.
Bonding. I've had bar tabs higher than the cost of bonding. No debate - just get it.
Contents coverage. Cheap. No debate - just get it.
You may be able to replace a broken vase out of pocket. Or lose a piece of equipment -- well and good. But add up what you have rolling on the highways and biways..you might be suprised.
It'll be a miracle if the van is recovered intact, notwithstanding the burnisher and snow blower. I'm sure those items have been pawned or fenced, the proceeds going up in smoke -- literally -- through a crack pipe.
I'm just starting out. So don't think theives and such are going to wait until you are established before making a move.
John
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Post by Kevin on Dec 14, 2005 15:22:15 GMT -5
John, I'm sorry  , I know you just got the van and equipment last week. It is good to hear though your going to be reimbursed, but sad you have to go through the process again of getting all the stuff. |
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mclean
New Forum Member
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Post by mclean on Dec 15, 2005 14:51:26 GMT -5
I can see how something like this could really hurt a new/small business not properly insured.
Hope everthing goes smooth with your new equipment.
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Post by chevygirl57 on Feb 7, 2006 0:23:47 GMT -5
Just for an idea... what does Liab. insurance usually run for a small business?
Obviously it will be different due to a number of reasons... but ballpark?
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kimmierue
Junior Forum Member
Pure Sparkle Cleaning Service[M:0]
Posts: 75
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Post by kimmierue on Feb 7, 2006 1:18:51 GMT -5
Mine was quoted for about $400 per year. But, that is the lowest coverage. I operate out of my home and I don't own floor equipment.
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Post by tracey48429 on Feb 7, 2006 9:39:12 GMT -5
I have a question. What is the minimum liability insurance you can have to operate? I don't even know what to ask the insurance co. for a quote for! Can anyone help?
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vegascop
New Forum Member
[M:0]
Posts: 3
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Post by vegascop on Feb 10, 2006 15:33:07 GMT -5
What does it take to be bonded?
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Post by Pages Personal Cleaning on Feb 10, 2006 15:46:51 GMT -5
What does it take to be bonded? You can get a bond from your insurance carrier or from most insurance companies for around 100.00 a year. Patti |
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cleaningguru
New Forum Member
We don't cut corners, we clean them!
Posts: 3
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Post by cleaningguru on Mar 3, 2006 23:03:46 GMT -5
:)I I have simple question to ask, would like to know what is the benefit of being licensed and bonded in my cleaning business? Am already insured. Thanks.
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Post by chevygirl57 on Mar 3, 2006 23:19:52 GMT -5
:)I I have simple question to ask, would like to know what is the benefit of being licensed and bonded in my cleaning business? Am already insured. Thanks. Bonding is something you can add to your insurance policy. www.build-a-business.com/insurance.htmHas good info. on insurance (hope it's okay I posted this link, if not, I'll remove it  ) Generally, I don't think that they're all too necessary if you're not stealing. If you have employees I would definatly have one, but if you're working alone, I wouldn't bother too much. And if your customers keep asking if you're bonded and want you to be boneded, ask them if they're aware of what it covers and if they have no idea, chances are you don't need to worry. |
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cleaningguru
New Forum Member
We don't cut corners, we clean them!
Posts: 3
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Post by cleaningguru on Mar 3, 2006 23:57:45 GMT -5
chevygirl57 thanks for the info, but what about licensing? what is it? thanks again.
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Post by chevygirl57 on Mar 4, 2006 0:13:24 GMT -5
chevygirl57 thanks for the info, but what about licensing? what is it? thanks again. The only thing I can think of is getting an assumed name certificate, which is what I did. Illinois doesn't require an actual liscense to do business, but an assumed name certificate it required. You only need to be liscened for certain jobs, like a nurse or cosmetologist. I don't know about your state, so I would double check. www.build-a-business.com/start_your_business.htm claims you could need one for certain states. I would check your states small business website or speak with a county clerk or someone that takes care of that stuff. Actually, I looked for you: www.tded.state.tx.us/guide/bt-c.htmHere's the main site from your state for starting a business: www.tded.state.tx.us/guide/ |
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AmofOhio
Junior Forum Member
[M:0]
Posts: 86
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Post by AmofOhio on Mar 12, 2006 17:53:59 GMT -5
Alot of business's won't hire you unless you carry bonding.
I work alone,and still carry bonding because banks want you to be bonded before you enter there facility and clean whether you work alone or not.
I work with realtors cleaning repo's and alot of the banks the realtors submit my bids too for cleaning want proof of bonding before they ok my proposal.
I pay $100 a year for $10,000 bonding.
$5,000 was the same price, so i went with the higher amount.
Just something to think about if your deciding on bonding or not especially if you wanting to get into commercial cleaning.
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Post by Renovare on Mar 24, 2006 18:40:32 GMT -5
About that thar' insherunse 'n bondinin.... A prospect was sifting through janitorial companies -- including Renovare. I didn't think I'd get it, but pushed myself through it. It came down to 3 companies. Lo' and behold, my little ole' Renovare was one of them! We were instructed to submit proof of insurance and bonding. A phone call to my handy-dandy insurance agent (obtained through the Hartford link from the IJCSA sponsor's page, by the way) produced the required documentation. The prize: A quarterly carpet and floor care contract through the end of the year for 12 locations of a communications service provider. The prior service had balked. I got the contract. The other two were DOA. Reason: No proof of liability insurance. TGIF! This Gig Is Fantastic! All the best, John  |
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Post by Kevin on Mar 24, 2006 20:25:40 GMT -5
Let the money roll in!  That is pretty much to be expected when dealing with all large accounts, if you do not have INSURANCE AND BONDING, you are dead on arrival.NewbiesYour phone will ring, you will get a call to clean for a big company, if you think you can slide by, your wrong. If you think that you can purchase the insurance after you get the account,.....lol a smart building manager will see that you are a fly by nighter, just started, or completely unprepared. |
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, I know you just got the van and equipment last week. It is good to hear though your going to be reimbursed, but sad you have to go through the process again of getting all the stuff.
)
