kimmierue
Junior Forum Member
Pure Sparkle Cleaning Service[M:0]
Posts: 75
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Post by kimmierue on Jan 24, 2006 18:50:07 GMT -5
Hello. I have been working the cleaning thing for about 6 months now and hand a fair amount of both residential and commercial clients. I've always known insurance was something I needed when I built up a bit more business and had the funds coming in for it. Just the other day I was contacted and asked to sub-contract for a large company, but they require liability insurance. I thought maybe I could get it in time, so I called around. Apparently because I have a few blemishes on my personal credit and I've never had business insurance before, no one will insure me!!What is up with this? Has anyone else encountered this problem? By the way, I called 3 places and they all said the same thing! Help!!
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Post by Kevin on Jan 24, 2006 23:26:29 GMT -5
Have you tried Hartford. Someone will insure you keep on looking. From your website it looks like your only doing residential. What are you telling the insurance agencies when you call, are you giving them too much information?
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kimmierue
Junior Forum Member
Pure Sparkle Cleaning Service[M:0]
Posts: 75
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Post by kimmierue on Jan 26, 2006 21:06:51 GMT -5
I'm curious to know what constitutes telling too much. That could just very well be the case. The last agent I spoke with I took heed of that and kept my answers to minimum. I have contacted Hartford and my application is in process, we'll see. Does anyone know anything about US Maintenance BTW...any comments or experiences they would like to share?
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jeg8344
Junior Forum Member
Posts: 27
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Post by jeg8344 on Feb 16, 2006 9:13:49 GMT -5
I would contact your state deparment of insurance--- you are what is considered an assigned risk so often the state will require insurance companies to accept you in order to conduct business in your state. You will not have a choice among carriers and will have to accept the company assigned to you. Hopefully, this will only be a temporary situation and after a year you will be able to search for prices among competing carriers.
Regarding workers compensation, the requirments are different from state to state, for instance, if you have 4 or less employees in South Carolina, you are not required to have worker's comp.---- What this generally means is that if you are contracting to do a construction clean up job then you should notitify the general contractor that you do not have WC. The genral will then cover you undert their policy and will typically deduct 10% from your payment for doing so.
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