Carpet Cleaning Canberra – Carpet cleaning is a service that nearly everyone needs. Not only do home owners in residential neighborhoods need the service on a regular basis, commercial properties also must get their carpets cleaned once a year or more. Because of the demand, having a carpet cleaning business can be very lucrative. But along with potential success comes potential risks. There are many things that can go wrong with your business that may cost you money and that could end up ruining your business. If you invest in a good carpet cleaner business insurance policy, you can mitigate those risks and ensure that an unforeseen event will not be the downfall of your company.
End of Lease Cleaning Canberra – A comprehensive carpet cleaner business insurance policy should begin with general liability. This type of coverage is very broad and is designed to meet the needs of any type of business. It protects you in the case that your business causes damage to a third party’s property or if you cause a person’s injury. This could involve a customer or anyone else and could be an event that happens on your business premises or out on a job. General liability will also protect you if a lawsuit is brought against your company. If a customer is not happy with your service, for instance, they may expect damages. As you put together your policy, make sure you understand exclusions on your general liability. It covers many different things, but not everything.
Carpet – To make sure you are covered for occurrences that are specific to your business needs, you can put together a custom business owners policy. This type of coverage within your carpet cleaner business insurance is designed to meet your unique needs. For example, if you want extra protection for your very expensive cleaning equipment beyond what is offered in general liability, you can purchase that coverage.
To avoid the possibly astronomical costs associated with a car accident, you can purchase business auto insurance as part of your carpet cleaning business insurance policy. When you send your employees out to do cleaning jobs, they may be in an accident. Your policy will cover costs of medical expenses, property damage, and any resulting lawsuits.
Another portion of your carpet cleaner business insurance policy that you will need is workers compensation. It is a legal requirement and pays costs associated with accidents that occur on the job such as medical care, disability payments, and lost wages.