Where in the world do you find business insurance or bonding for $30/month? Nearly every quote that I've received expects you to pay $300-$400+ upfront. The lowest amount was over $100. That's pretty high for a brand new cleaning business with no clientele and no guarantee of steady revenue. Factor in all other startup costs and you're at or near $1,000 total. More for people who invested in advertising, marketing, unique or expensive supplies, accounting and certification courses.
We use Next Insurance (paid link nextinsurance.sjv.io/LPzzYZ) this link will help you hone in on the services you offer and the proper type of coverage you need. It will also give you instant quotes, and once you sign up, you will get an electronic COI (certificate of insurance) to show customers that you are insured. To start out, you're looking for a general liability policy. They do offer other policies for small business, and can grow with your business. Make sure you click on the monthly payments not annual premiums. Otherwise, you will pay hundreds of dollars upfront. Does that make sense? 😀
@@AskAngelaBrown Yes. It makes perfect sense and I chose Next over the weekend. I still have to pay a separate $100 for bonding before I can start. A license wasn't required in my state but I'm registered, insured, certified and have most of my supplies and necessary documents. I never expected this to be easy so it's another reason to stay physically fit. I'm going to start out on my own and when the business grows I'll be ready to hire cleaners so I can mostly focus on the marketing, advertising, accounting, payroll, orders, inventory etc. Your videos have been very helpful and I appreciate everything that you do. Three questions: Once the business is going steady, how do you factor in overhead costs on an invoice? How can you take advantage of tax deductibles as an LLC? When is the proper time to file business taxes?
We use NEXT insurance. (Paid Link with Savvy Cleaner Discount nextinsurance.sjv.io/c/2467417/1148969/14516) They specialize in small business and can help with a general liability policy, tools & equipment policy, commercial auto, worker's comp, professional business policy... the list goes on. You can keep adding to your policies as your business grows. They also do monthly installments so you are not paying upfront premiums. And, you will get a COI (Certificate of Insurance) on the spot. 👍👏😍
When I first got my bonding policy it was $100 for each $10,000 that I wanted. It wasn’t bad at all. And I actually had to use it once. I had an employee that stole a clients diamond ring. The way we found out that she was guilty of it was they had a camera in their bedroom. So she was caught red-handed. Even though I didn’t do it, it was so incredibly embarrassing. Now I do intensive background checks on all of my staff.
im in a credit program re-establishing my credit, so whe i applied with NEXT for insurance for a Cleaning business im trying to start i was declined, do you know of any other options for me to get insured?
Being declined for insurance while re-establishing your credit can be frustrating. Here are some options to consider: *Research alternative insurance providers specializing in small businesses or startups. *Seek assistance from insurance brokers who can help find suitable coverage options. *Join industry associations or trade groups for access to exclusive insurance programs. *Consider general liability insurance as a starting point for essential protection. *Work on improving your credit by paying bills on time and reducing debt. Remember to shop around, provide detailed business information, and compare quotes. Best of luck with your credit program and entrepreneurial endeavors!
We use NEXT Here is the Savvy Cleaner link nextinsurance.sjv.io/c/2467417/1148969/14516 gives you an instant online quote to help you decide if it's right for you. They have several options for various types of insurance, from general liability, workers' compensation, commercial auto insurance, tools & equipment policies, and more.
The license will depend on the jurisdiction you live in. Here is a website that will help you decide www.constantcontact.com/blog/state-business-licenses/ if it is required where you live.
Hi Angela, I just started my house cleaning business, a potential client asked for copy of insurance and bond, I have insurance, however i do not feel comfortable giving client copies of insurance before I starts the job . Do client have the right to request for copies of insurance?
Thank you for your question! Yes, clients typically have the right to request copies of insurance and bond as part of their due diligence when hiring a cleaning service. It's a common practice to provide these documents to build trust and reassure clients about the security and professionalism of your business
I just love you to pieces! Straight to the point east to listen and understand . So much I understand now about this industry since watching and listening to you !
We were given a quote on insurance, but when we asked about bonding they came back and said we didn't need it since we had no employees. We went back and forth. I'm not sure what to do.
What an INCREDIBLE video with REAL COUNSEL....I appreciated your candor and EXCEPTIONALLY CLEAR information! THANK YOU...IM getting Bonded and insured IMMEDIATLEY!
Yes, we use NEXT insurance (Paid Link nextinsurance.sjv.io/oeW0PW) they specialize in small businesses, and they can help with all the policies you need as you grow your business. If you are just starting out general liability is probably all you need. As you hire people you'll want professional auto insurance and workers comp. 👍
Hey Angela. Why am I being turned down insurance. I tried two companies already and they said they don't provide what I need. This is my first cleaning business.
Yes, your general liability will cover accidental property damage - and what constitutes an accident is up for debate. Make sure you understand through your insurance agent how care, custody, and control work. They often don't cover damage due to ignorance or negligence. You're expected to know your chemicals and what surfaces you can use them on.
Any reputable insurance company that sells general liability insurance can help you. Make sure that the coverage you get covers the types of homes you clean (You'll need more than 1 million dollar coverage if you clean 3 million dollar homes for example. But if you don't wash 2 story exterior windows or carry trash off the property, you might not need certain types of riders on your policy.) Also ask if they do payment plans. Most insurance companies will break your premiums into monthly installments so you're not paying it all at once. Also ask about their workers compensation packages - you'll want a company that can grow with you as you hire new employees.
Hello Angela. I love your show. I have learned a lot from you posts. I have a ? How often I suppose cke a house. Some of my clients want only one time or moth
Is the question how often to clean? Many clients do their own daily chores and then hire a professional to do the weekly and bi-weekly chores. Once a month starts getting into a deep clean.
Yes, talk to your insurance company for the type of cleaning you do. Find out if you're covered under your general liability policy or if it would be worker's compensation.
Should you advertise that you're bonded and insured i.e. on your website, business cards, flyers, etc and how should you do it? For instance, should post your bond number?
+Lore Beth Being insurance protects both the homeowner and the House Cleaner. There are very good reasons for a house cleaner to be insured. It’s just good business. 👍
Hi Kyla, we do have several videos on all of the above. We also have a paid training course called Getting Started Basics that goes over everything in detail with resources attached. savvycleaner.com/getting-started-basics come join our network, we'll walk you through the startup and growth phase of your business step-by-step.
Yes you need it!! Angela is totally correct! I was recently cleaning at home and used oven cleaner, I opened up and sprayed on the Oven cleaner let it dwell came back to my oven wiped it out sparkle sparkle scrub the glass window door on the inside & was so proud of myself , Nice and sparkly inside of the oven, only to close the door and see the oven cleaner had drip down onto the wooden drawer beneath it took the paint right off!!!
I’ve started a Pressure Washing Business and the only one that will be doin the cleaning so my question is should I get the General Liability Insurance and Bonded ?
Quick question, if you have your customer sign a release of liability do you still need bonding still? I mean if you have it on paper that they know your not insured ?
Hi Angela I just started my business i have only one house and can’t even afford to print the flyers yet so I can get more jobs in this case what should I say if asked about the insured?
Thanks for the insight....i do have a question..i currently work with handy as a housekeeping, do I need any insurance? And secondly am thinking of opening and running my own cleaning company, what document do I need to start with?
Hi I want to get certified to find housekeeping jobs in my area but I m on a low budget and I wouldn't like to spend a bunch of money on certificates. Any advice on that?
What about a Surety Bond company for Janitorial services? Do you do a separate bond with them, and a local insurance company for a general liability insurance?
Hi Angela! Thank you so much for these videos. I think you are amazing! I have a question. I've just recently started cleaning and I have 2 customers. I am waiting to pick up a couple more before I get insurance. I did a quote for a couple and they asked if I had insurance, and I told them not yet. He asked me to sign a waiver that if I broke my back at their home that they would not be liable. Is that a normal request? I understand if I wrecked their floors, or fridge etc I would be responsible for that. It's something I had not thought of. Thank you!
When I ask to get a Surety Bond and Insurance from my Insurance Co. For my house cleaning Co. I have no employees. They told me the policy would cost $350 a month. Do you have a link to an Insurance Co. That is less expensive?
Thank you for the thorough explanation. I'm doing this as a little side business. I only have a few customers I'm not making much, but people are living me & I'm getting referrals. I'm going to look into insurance. Where should I look?
Hello Angela, I just started my own business. I have my license, and supplies. I just called an insurance company and asked to insured and bonded but they don’t offer the bonding.Any advice?!
Fantastic explanation thank you. I have two questions, so theft is not covered under a limited liability policy? The bonding component is what only covers theft? Also you paying the bonding means the bonding company pays for the item and then you have to pay them back?
Yes to all of your questions. Theft is covered under your bond, which is an extra rider added to your insurance policy. If you (or your covered employee) are found guilty of theft, the bond pays the restitution and you pay the insurance company back on a payment plan. Does that make sense?
Thank you very much for such an educative video ,I love your honesty and how Clearly you Explain things is very easy to understand. You really doing a great Job and needs to be Appreciated
Hi Angela oh, I'm so glad you made this video and answered a lot of my questions. I was just curious if you do happen use your insurance policy, does your premium rate increase just like an automobile insurance does? Thank you for everything.
Angela Brown Thank you so much for your quick response. I respect and admire you so much. I will be calling the insurance company pronto. Your videos have been so much help to me.
Hi Angela, can you give a few names of some insurance companies you know, or use that are good for house cleaners since you've been in the house cleaning business so long? I'm hoping for good coverage at a reasonable price, and with a company that is familiar with house cleaners and have a good replication. Thank you!!!
Angela Brown Thank you, I saw a company called Next insurance that seemed to be catering to the house cleaning business, and One called biBerk neither one I’ve heard of in the past. I didn’t realize the more popular names also carried insurance/ bonding for house cleaners. Thanks again.
Thanks for the post. I am starting a house cleaning and pet sitting company. I realize I need to be bonded and insured. I dont have any employees. Which company/policy would you recommend?
Angela, i have a question about promotional before after pictures. Is this something that's just okay to do (without) permission? Or would i have to get permission through a contract or verbally before i do it?
@@PDXadrenaline just to have like a waiver stating that promo pictures will be taken and that they're okay with it. It can be typed up yourself and doesn't have to go in debt with legal anything or notary just a simple sign. I included mine in my contracts n terms of service
