Carpet Cleaners Hangout - Liability Insurance

Liability Insurance

Printed From: Carpet Cleaning Forum
Category: Carpet Cleaners Discussion
Forum Name: Carpet Cleaners Hangout
Forum Description: General discussion on anything related to carpet cleaning
URL: https://www.kleenkuip.com/forum/forum_posts.asp?TID=3055
Printed Date: 05/July/2025 at 6:08am
Software Version: Web Wiz Forums 12.06 - https://www.webwizforums.com

Topic: Liability Insurance

Posted By: oldfart
Subject: Liability Insurance
Date Posted: 01/November/2006 at 10:01pm

Liability insurance who is good and at a good price?

Replies:

Posted By: danmarck82
Date Posted: 01/November/2006 at 11:34pm

State Farm has been mine for 15 or so years, never had a claim so I don't know how they would be. They are pretty good on other insurance i have with them .

Mine is about 600.00 per year. I have a voluntary damage coverage.
Which basically pays upon my admitting that I screwed up and damaged a piece of someone else's goods, couch , carpet , or what have you.///
but it has a 250 or 500.00 deductible . So I have yet to have need
it also is 1,000,000.00 Liability , which is sometimes required on the larger industrial jobs.

Posted By: thermedix
Date Posted: 02/November/2006 at 8:31am

oldfart

Use the people that use you, as many have said, it`s all about networking, if you have a customer that is in the insurance business,

or a member of your business groups/ don`t be afraid to ask, "if I use you, will you use me?" for flood extraction/restoration etc. we have even had calls from our insurance company directing us to remove red wine from carpet, their insured was claiming a new carpet, we removed it for a fraction of the cost of replacement, and charge full price..

I would not recommend using online insurance companies, you will never have this opportunity with them, and for the couple of pennies it will save, you make it back ten fold.

** the cost difference between $one million and two million is very little and many government contracts request it.

Good Luck

-------------
It`s not how far you fall...it`s how high you bounce back up...

Posted By: talzee
Date Posted: 02/November/2006 at 9:54am

I agree with Thermedix...If you do business with them don't be afraid to ask for the business back from them. We shop all of our insurance annually using 2 local brokers. For the past while each broker has come up more bells and whistles and savings and we simply go with the deal that gives us the most for the least.
Both of these brokers are great referral sources and centres of influence for both flood work and cleaning.