[vbt1224]

I will be working by myself cleaning a few office buildings, so will I need any kind of insurance coverage?

[tickle]

Yes, you will need Workmen's Comp and liability insurance on the job in case anythng is broken. Phone your broker and find out what and how much it will cost. If they are doctors' offices then that is a hole different ball game. You will need to know if there are infectious material used and where they are stored and you will have to educate yourself on MSDS regulations to cover handling cleaning supplies which may be harmful.

[letmetellu]

You will also want to be bonded, this will protect you in case something gets stollen.

[Stringer]

Not trying to sound confrontational Letmetellu I assure you, but I believe that liability insurance should be adequate.

Bonding is an additional expense that they may not want to bear unless necessary and when required is usually requested by the client and is primarily a benefit to that client. Bonding is basically for the customer's protection in cases of non performance to the contract, specifications, also accidents leading to financial loss, theft, or other monetary issues.

Stringer

[Stringer]

Thank you letmetellu, very kind of you... thanks again.

I wonder if the OP is coming back?

Stringer

[basujo]

Liability insurance is the only insurance you need. You don't need to get bonded. Bonding is needed only if you hire employees or take on a partner. Bonding covers employee theft, etc. but does not cover the owner. So if you're working by yourself you don not need it. Liability covers you if you have an accident on the job and it covers the office personnel at the office you're cleaning if they get hurt.

[amcnaron]

We did a write up on the in's and out's of cleaning business insurance coverage, on our site. It helps you land bigger clients and protects you and your business.

If you do decide the insurance is worth it for your company, here are 3 ways to lower your cleaning business insurance cost, from an insurance perspective. : )

http://southernstatesinsurance.com/3-ways-to-lower-the-cost-of-your-house-cleaning-insurance-policy/

[tickle]

I don't know if you are advertising or not, amc. I certainly am not going to open your website to find out. In any event, we don't sanction advertising on our site and this post is old, from November.

[amcnaron]

Not trying to mislead, was trying to be very transparent with link. It still may be valuable information to some, I will try to inform and not post links to sites.

Thanks for the mention.