Going into business as a carpet cleaner can be a great way to make a living. However, running your own business has some risks, and Pennsylvania business insurance products are designed to protect business owners from some of those business risks.
A Business Owners Policy (BOP) has been designed for small businesses and protects your business assets such as your business premises, carpet cleaning equipment, cleaning supplies and office equipment.
A business auto insurance policy helps to protect you from the financial consequences of vehicle accidents. A carpet cleaning business relies heavily on having reliable transport, so you may wish to consider purchasing commercial auto insurance which provides a broader range of coverage than business auto insurance.
Businesses in Pennsylvania with one employee or more are required by law to provide workers’ compensation insurance to pay for the medical and hospital care expenses of your employees if they are injured at work.
Surety bonds are sometimes needed by cleaning contractors who wish to work for public organizations like government departments and local authorities. You may be required to purchase a security bond as a guarantee of performance before you can submit a tender for a carpet cleaning contract.
Going into business as a carpet cleaner should allow you to make a healthy profit from providing an important service. An uninsured mishap, such as damaging a valuable antique in a client’s home, could wipe out your business profits; avoid this risk by taking out Pennsylvania business insurance for your carpet cleaning business.