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Business Insurance? |
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Danielw 
Newbie 
Joined: 14/July/2008 Status: Offline Points: 7 |
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 Topic: Business Insurance?Posted: 29/October/2008 at 2:11pm |
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Hello all,
What do you guys pay a month for liability insurance? Anybody have any recommendations for good insurance companies?
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cleanex
Carpet Cleaning Specialist 
Joined: 17/October/2004 Location: Canada Status: Offline Points: 705 |
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Posted: 29/October/2008 at 2:43pm |
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Don't say where you are. Insurance rates are different all over USA and Canada.
Our Vans and liability runs around $1200.00 a month
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DON ELDRED
YOU CAN "STAND" ON OUR REPUTATION |
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Danielw
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Joined: 14/July/2008 Status: Offline Points: 7 |
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Posted: 29/October/2008 at 3:08pm |
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Thanks Don, I live in Florida. |
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Superglide Ken
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SGK Joined: 17/March/2004 Location: Canada Status: Offline Points: 4868 |
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Posted: 29/October/2008 at 3:54pm |
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Lloyds.
Policy runs $2000/year to cover 3 trucks. 
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Inventor of the Teflon Wand Glide and the Turboteck Rotary Air Duct Cleaners for TMs.
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Danielw
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Joined: 14/July/2008 Status: Offline Points: 7 |
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Posted: 29/October/2008 at 4:06pm |
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$2000/year opposed to $1200/month? Sounds like someone's getting the shaft |
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cleanex
Carpet Cleaning Specialist
Joined: 17/October/2004 Location: Canada Status: Offline Points: 705 |
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Posted: 29/October/2008 at 4:18pm |
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Some of us are properly insured and others run on the bare minimum.
We have clients that demand we carry 10 million liability coverage etc. etc
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DON ELDRED
YOU CAN "STAND" ON OUR REPUTATION |
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Mark McMaster
Senior Member 
Joined: 22/October/2007 Location: Trenton,Ontario Status: Offline Points: 170 |
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Posted: 29/October/2008 at 5:24pm |
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2 mill. liability on business and the van for a total of $1,800 a year. That's of course depending on how much I make a year. (on paper)
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Danielw
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Joined: 14/July/2008 Status: Offline Points: 7 |
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Posted: 29/October/2008 at 6:46pm |
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What exactly do I need as far as insurance goes to start a carpet cleaning business? If someone could break this down I would greatly appreciate it. |
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doug
King of the One Liners 
Just My opinion Joined: 31/January/2004 Status: Offline Points: 32711 |
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Posted: 29/October/2008 at 6:53pm |
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Every state or provience is different you need to talk to an insurance broker to find out exactly what you need and alot may depend on how long in biz what equipemnt you have and what amount of coverage is neccessary. and what percentage is residential commerical or even restoration play a big part on premiums.
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Just My opinion
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cmaster
IICRC Instigator 
Joined: 29/January/2004 Location: Canada Status: Offline Points: 29693 |
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Posted: 29/October/2008 at 8:08pm |
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Yup. Talk to a broker and get the policy that is right for your business
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