Should I Choose to Buy Insurance
for my house cleaning business or Risk it?
Personally, I believe it is not very professional to have a business and not want to cover not only yourself, but your client's property. Insurance is not very expensive and it may make a huge difference in your pocket.
These days, many people are weary of allowing people in their homes, especially when they are not there. If the the business owner does not have adequate coverage or does not run their business in a professional manner, they would more than likely not hire you. One of the most important things to have in your client's eye besides experience is insurance. They want to make sure that their property is covered should anything happen.
Let's give an example: You are dusting off the shelves and get sidetracked and accidentally knock off a Lladro. These things are expensive. A small one could run $1000. Of course your client will want to be reimbursed. Now, you either have to pay out of pocket or you can file an insurance claim. Another, more expensive example: You are cleaning the wood floors and the chemical you use has a bad reaction to the wood in turn ruining it beyond repair. The client now needs new floors. This could be $5000 or more. In this case, insurance will be quite handy.
It is a good idea to tell your customers to remove all valuables on the day of their cleaning.
There are a lot of companies out there that offer liability insurance for small business owners.