Top 4 Types of Insurance House Cleaners Should Have
Do you know if your cleaners are covered by the insurance house cleaners should have? If they’re not, can you be sure that your home and your possessions are completely protected from potential damage or loss?
In a word, no.
Here’s a quick rundown of the top types of insurance house cleaners should have, and how they protect you, your home, and your valuable possessions as well as their own business.
Insurance #1: General Liability Insurance
Accidents happen, even when your team of cleaners are highly trained and very diligent about their work. If something valuable should be broken while the cleaners are working in your home, general liability insurance ensures that you’ll be appropriately compensated for the loss without completely bankrupting the business.
Liability insurance can be an incentive for house cleaners to conduct detailed training on the proper methods of cleaning a variety of surfaces within the home. Why? Well, an insurance company won’t cover a claim if it’s found that the cleaner was negligent. For instance, if the cleaner should use an acid cleaner on a stone surface, that would be considered negligence. The cleaning company would be fully responsible for reimbursing the homeowner for the ruined stone.
Additionally, if you slip on a wet floor while the cleaners are working in your home, or trip over a stray vacuum cleaner cord, your medical bills will be covered by general liability insurance. Every experienced cleaning company understands that general liability insurance is one of the most important types of insurance house cleaners should have.
Insurance #2: Bond Insurance
Ideally, the cleaning service you hire will subject their employees to extensive background checks, but there’s always the potential that an employee could betray the trust of you and their employer by stealing from you.
A fidelity bond will cover the loss of money, securities or property when an employee of the cleaning company is responsible. In other words, if something goes missing, the cleaning company’s insurance will help you get compensated for the loss.
However, before the insurance company will cover the loss, the employee responsible must be convicted of the crime. If you suspect that an employee of your cleaning company has stolen your property, it’s vital that you immediately contact the cleaning company to report the theft AND file a police report as well. A reputable cleaning company will encourage this course of action and fully cooperate in the investigation to determine exactly what happened.
Insurance #3: Commercial Auto Insurance
This is one of the types of insurance house cleaning companies should have, particularly if the workers drive a company car to serve their customers. Commercial auto insurance covers more than the standard coverage required of drivers.
For example, if your cleaner hauls specialized equipment required for the job, such as carpet cleaning equipment or a superior form of vacuum not traditionally found in the home, and they’re involved in an auto accident, it’s unlikely that their personal insurance will cover the damage to the equipment.
Why should you care about whether or not your cleaner carries commercial auto insurance? Because if they end up paying for damages out of pocket, they’ll simply pass the cost onto you, their customers.
Insurance #4: Worker’s Compensation
As a customer, this is the type of insurance house cleaners should have that has the biggest impact on you. If a representative of the cleaning service you hire should be injured in your home while working, the medical expenses and any other related charges will be covered by worker’s comp.
Say, for instance, the cleaner was standing on a ladder to clean the cobwebs from the corners of your cathedral ceilings; one misstep could lead to a serious injury, resulting in an ambulance ride, time spent in the hospital, and missed work. Worker’s comp will ensure that the employee’s expenses are handled expediently, without any complicated legal issues arising.
As is the case with auto insurance, the lower the company can keep their insurance costs, the lower they can keep your cleaning costs.