License And Insurance Information For Your Cleaning Business

Obtaining a business license or an occupational license for a home based cleaning service is very inexpensive and available at your local courthouse. Many people start out cleaning for residential customers without having a business license or insurance. At some point in time, you should obtain a business license to be legally operating a business in your city or town.

Most residential customers will probably never ask you if you have insurance, so you do not need to go out and get it before it is necessary. It may never be necessary. You should compare the prices for insurance with several companies as there typically is a big difference in prices.

Shop around for the best deal, but consider getting a customer first. Get an income lined up and then you can spend money on insurance and cleaning supplies. When you are ready to get insurance for your cleaning service, you don't want to buy more than you need. Talk with a few insurance companies on the phone and tell them exactly what kind of insurance you want and compare prices.

The type of insurance that you would be getting is called, public liability and property damage. This is usually referred to as PL/PD coverage. From time to time you may hear the subject of bonding come up. Bonding is a form of insurance that supposedly insures a customer against theft. It is specifically called a fidelity bond.

The fact is that bonding does not cover anything at all without a criminal conviction taking place. In other words, if a helper of yours steals something while cleaning a home, then you would probably lose the customer, with or without bonding because they would no longer trust the cleaning service. I have never met anyone in the house cleaning business who is bonded, however some people are. You don't need it to clean homes. A regular occupational business license and a minimal amount of insurance is all you need.