Everybody likes a clean home and business, which is why professional cleaning companies tend to be so lucrative. Of course, if you’re thinking of starting your own cleaning business, it is important to know how to protect yourself and your employees, as well as your property and your company as a whole. According to Moody, these are the types of cleaning business insurance and bonding you’ll need to get started.
Business Liability Insurance
This is the first policy you should purchase for your cleaning business. It protects against financial loss should one of your clients claim you or your employees damaged his or her property. It provides protection for their property, your workmanship, and any potential medical expenses or defense costs, as well as several other situations.
Company Car Insurance
Chances are, running a cleaning business means you have company cars for you and your employees to travel between jobs. For this reason, it is important to have business automobile insurance. Remember, your personal car’s policy will not cover company vehicles. The policy should cover several situations, including lease gaps, driving other vehicles, and personal injury protection.
Depending on the state you work in and how many employees you have, you may need to provide workers’ compensation coverage. This protection is the law in many cases and is responsible for providing your employees with lost wages and help with medical expenses should they be injured on the job.
Dream big dreams about owning a thriving cleaning company but be sure to do so responsibly. Holding the proper insurance policies shows your professionalism and keeps you safe in the long run.
Why You Need a Certificate of Financial Responsibility
There are a number of moving parts involved with running a business that involves seafaring vessels. In order for you to stay successful, you need to take time to consider the various rules and regulations governing your specific type of work. Obtaining a COFR, for example, might be a vital step for your business to make in the near future. Also known as a Certificate of Financial Responsibility, this certificate is a must for any business that fits the criteria.
Who Needs This Certification?
According to the experts at https://www.wqis.com, only certain ships need to consider obtaining a Certificate of Financial Responsibility. Essentially, any boat weighing over 300 tons and traveling US waters absolutely needs this type of certification. If your vessels are under 300 tons, they will still need the certificate if they are used to ship oil in the Exclusive Economic Zone of the United States. Exceptions to this rule include:
- Self-propelled barges
- Small ships that don’t carry oil for fuel or cargo
- Ships that carry no hazardous substances for fuel or cargo
Meeting the Standards
Should your business meet the standards set forth by the United States government, you absolutely need to get started on filling out an application for a Certificate of Financial Responsibility. The sooner you get started, the easier it will be for you to protect your business against any unforeseen events.
Working with the public is unavoidable when you own a small business. Despite the need for customer support and loyalty, there are risks associated with working with the general public. These are best addressed through a public risk insurance policy. Some potential reasons for this coverage include:
- A customer comes into the office to pay a bill and the chair they are sitting in collapses.
- An individual is walking in front of your office and part of your sign falls and hits them.
- Your business is having a customer appreciation day and while in attendance, a customer trips and falls.
Although these risks seem to be hardly likely, they are possible. The resulting financial demand from a lawsuit could threaten your business. The team at https://www.usrisk.com/ recommends that you add the additional public liability coverage to help cover any gaps that your commercial general liability policy may leave.
Areas of Coverage
This liability policy covers the common areas associated with general liability but extends the coverage to the specific locations and exposures created by public traffic.
- Bodily injury. If someone is injured while on your business property, this policy provides coverage. It may also extend to those who are in the walkways or parking lots that may be considered an area outside your property.
- Property damage. The part of the coverage protects your business when damage is done to another’s property while on your property or when work is done to another property.
If your company conducts business through professional services for others, but that can be susceptible to mistakes, you might be in need of an MPL insurance plan. Miscellaneous professional liability is an errors and omissions coverage that goes into effect when your company has been subjected to claims of mistakes. Those mistakes could include forgetting to file paperwork, misstating a fact or information, ignoring a crucial piece of information, and failing to clearly communicate instruction. If you aren’t sure about adding on this additional coverage, the folks at Huntersure LLC recommend asking yourself the following questions:
- Does your company provide services to others for a cost?
- Does your company require clients to sign a service contract?
- Does your company offer services that your clients use in the products or services they offer to other clients?
- Is your company privy to confidential or proprietary business information through client contracts or accounts?
If you can answer yes to any of these areas, then your business can potentially be affected by risks associated with professional liability exposure. An error and omission plan, or MPL, can help protect you financially in the event of a claim. The most common claims facing businesses in the area of professional liability are errors or omissions when employees were providing a service, failing to conduct business or perform the service in a timely fashion, or providing misleading information on the service that was to be performed.
If you love sailing, it’s only natural that you want to share the experience with your children. There is some concern about whether it is safe to take infants on boats, but the truth is that as long as you and other adults on board take the necessary steps to ensure the safety of children, it’s safe and can be a fun time for the whole family.
The Dos and Don’ts of Taking Children on a Boat
As with most activities involving children, there are some tips you should follow to create a safe and pleasant environment. The following is a short list of things you should do:
- Have children wear the appropriate-sized life jacket at all times
- Make sure there is enough shade
- Prepare for nap time
- Pack enough supplies, including diapers, formula and snacks
- Designate a safe child area
While there are things you should do, there are also things you should not do. Take a look at the things you should avoid:
- Forgetting sunscreen
- Bringing a child on a boat by yourself
- Letting the child be unsupervised
- Forgetting appropriate clothing, such as a jacket
- Disregarding the weather forecast
Have a Fun and Safe Sailing Trip
Can you take infants on boats? Absolutely, but there are certain dos and don’ts you should follow. By implementing the tips provided by Mariners Insurance, you can have a fun time on the water with your children.
Commercial marine insurance is important for anyone who works in the boating industry. Every industry has its own specialized risks that require their own insurance options. If you work as a marina operator, in a boatyard, as a boat builder or any other commercial boating business, here is why you need boating insurance.
The experts at www.merrimacins.com/ explain the need for insurance solutions that address the complex exposures in the marine industry. It is important for marine insurance to be flexible and when it comes to insurance for commercial marine companies, it generally is. The liability limits are higher than personal insurance coverage.
Protecting your company against risks should always be a top priority. An investment in insurance now saves you from having to invest later. There are not only discounts available to those in the marine industry, but you can invest in specialized coverages. You can customize your options. Only choose the coverages that you need for your company.
When it comes to insurance options, you have to think about your industry first and the types of protection that you need. When you work in the marine industry, there are a variety of different risks that you might face. Whether you work as a marina operator, a boat builder or a boat dealer, there are coverages for everyone.
Whether you’re buying a yacht for personal recreation or building a business that revolves around the vessel, your insurance needs are unique. Boat insurance for smaller recreational vessels can’t anticipate the additional needs of owners with a craft that can take an extended voyage, but at the same time, commercial insurance for shipping vessels will not anticipate the needs of a recreational owner or charter company. Additionally, because yacht owners often cross international boundaries for both work and pleasure, you need to find coverage that goes everyplace you do.
Yacht Insurance in Mexico
Mariners Insurance provides coverage for all sorts of commercial and personal vessels, including coverage for those repairing and building them. The professionals you reach when you query the team for a quote will be able to work with you to cover all the avenues of risk unique to yacht ownership, and if you are operating a business based around the vessel, you can even get the additional coverage you need to operate. They understand the risks that come with this kind of travel, as well as those incurred by commercial seagoing vessels, which makes them ideally suited to anticipate the complex needs of yacht owners with vessels that can function as a personal or commercial craft. The best part? If you need to be covered in Mexico, they can cover you under the liabilities defined under that legal system.
When people are looking for new jobs, they don’t just look at the description and compare salaries. They also want to know the employee benefits that the company offers. An attractive benefits package can be just as alluring as competitive pay.
Many large corporations can offer attractive salaries along with their benefits. When you are a small business owner, though, you may not have the budget for the monthly payouts necessary to offer top-of-the-line salaries. You can stay competitive by offering a stellar business package. On https://hilbgroupfl.com/, it reminds us that a great insurance bundle can be very attractive to employees. You save money by getting a group rate, and they save money on medical expenses. Everyone wins.
You should tailor your benefits package to your employees’ needs and your company’s job skill requirements. If, for example, your industry is highly technical, you will likely want to hire people with a lot of specific training in the field. A tuition reimbursement program or free training opportunities to sharpen their skills can be attractive to prospective employees with specialized education.
When you are trying to attract the best and brightest new talent, don’t discount the allure of a great employee benefits package. It can be just as persuasive as a good salary.
Natural alternatives are good for the body and for Mother Earth. The next time that you find yourself reaching for a bottle of medicine, why not try and find a replacement that is organic and better for you?
Naturally, you should always speak with your doctor before taking any new supplements, but have you considered taking Saint John’s Wort if you find yourself feeling depressed? The healing properties in the herb have been known to promote feelings of well-being for centuries.
Don’t pop another pill if you’re having a hard time falling asleep. Instead, try making yourself a cup of herbal tea before bed. Nighttime tea is a ritual as old as humanity, especially when it’s infused with peppermint and/or lavender.
Scrapes and cuts are inevitable. When you want to give your wounds an extra boost of healing power, try Emu CBD lotion instead of something like Neosporin. In fact, as reported by King Harvest Medical Cannabis Care, it is made with concentrated amounts of THC and CBD which promote faster healing and reduce scarring.
Ginger and lemon are both known to be good for bellyaches. Steeping the juice of one lemon along with ground-up ginger in a pot of tea can help settle the gurgles.
For everyday ailments, trust nature’s remedies to help you feel better. Sometimes the natural route is the best one.
Huge corporate household names are no longer your only choice when it comes to personal or professional insurance options. More and more people are giving their business to smaller, more personalized brokerages instead, but is a boutique insurance brokerage, right for your needs? Here’s what choosing one yourself can do for you according to top industry authorities like iSure Insurance Brokers.
Personal, Friendly Service
Although corporate giants are definitely as successful as they are for a reason, they definitely fall short when it comes to catering to the individual. However, that’s to be expected when you have literally millions of clients on the books. Boutique brokerages, on the other hand, serve a smaller, more exclusive clientele, so they’re better able to offer the warm, personalized service you’re looking for.
Customized, Tailored Solutions
No two companies, families, or individuals are exactly alike. That said, the insurance options you trust should be as unique as you are. A boutique brokerage specializes in offering insurance solutions that are uniquely suited to each individual set of needs. The best options also take great pride in supporting their clients through the process of choosing their policies, as well as managing them on an ongoing basis. In other words, there’s always someone available to help you with questions and concerns. Experience the difference for yourself today.