Home Forums New here? Share your story Launching cleaning business this week – Need assistance with Insurance question!

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  • #1000059
    JacobV19
    Member
    • Total posts: 1

    Hi Guys – thanks for your time and reading my post if you got that far,

    I will be launching my in home cleaning business this week – I have everything ready to go, have gone through some trial runs with family and friends – but just have 1 aspect remaining before we officially launch,

    Insurance – Keep in mind we use contractors with their own ABN to carry out the cleaning itself, I have inquired with insurance companies and Compare the market etc – they have stated if I get public liability it will only cover myself – which won’t make any sense as I will be working from my study at home and not doing the cleaning in other peoples houses,

    Obviously with having someone in another’s home there is risk for damage/theft etc – how would you advise insurance to protect myself ?

    Really appreciate your time – thanks again

    #1222539
    SeeMySite
    Member
    • Total posts: 15

    Hi Jacob…as contractors isn’t there a requirement for them to take care of their own insurance? Sure…it may be that this is cost prohibitive for them, but perhaps you could make it a contractual requirement – get a broker to arrange a group policy that they have to subscribe to, and charge them a levy which you can deduct from their contracting fees.

    #1222540
    Paul – FS Concierge
    Moderator
    • Total posts: 3,121

    Insurance for your contractors should cost them roughly$12-$15 per month.

    You can also be used for their mistakes.

    You will need your own insurance.

    Cheers

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