Florida Workers’ Compensation Insurance Policy for Home Cleaning Businesses
When your business relies on entering clients’ homes to provide services, it is crucial to have the necessary coverage. That is why most home cleaning services need Workers’ Compensation insurance in Florida.
All home cleaning services with four or more cleaners must have Workers’ Compensation insurance in Florida. Independent contractors and sole proprietors that provide home cleaning services do not have to get coverage. That said, they should get insurance so that their cleaners and their clients are protected. Home cleaning service businesses are at a higher risk of workplace incidents, primarily because the environment they operate in is out of their control. Getting Workers’ Compensation coverage for your home cleaning service is a several-step process that must be completed intentionally so that you end up with the proper coverage for your business.
To find a policy for your home cleaning service from our Florida Workers’ Compensation insurance brokers, call NPN Brokers today at (866) 340-9120.
Home Cleaning Service Businesses and Workers’ Comp Insurance in Florida
Depending on payroll numbers, most home cleaning services need Workers’ Compensation insurance in Florida. This is the rule throughout the state for any home cleaning service that employs more than four workers.
If you own a home cleaning service and operate in Florida, you could and should get Workers’ Compensation. In Florida, any home cleaning service with four or more cleaners must get the necessary coverage and take the proper steps to maintain it. Being without coverage could make you vulnerable to state penalties and financial liability for a cleaner’s injuries if hurt on the job.
Independent contractors or sole proprietorships with less than four employees do not need to get Workers’ Compensation policies in Florida if they provide home cleaning services. While you might not have a coverage liability, our Florida Workers’ Compensation insurance brokers can help you find a policy that meets your needs and keeps you protected. Even though not all home cleaning services are mandated to have Workers’ Compensation insurance in Florida, workplace injuries might still happen.
Because you are working in a client’s home, it is important to be covered, so they do not fear potential lawsuits or other issues should a workplace accident occur. While homeowners’ insurance might cover you if you are hurt at a client’s home, having Workers’ Compensation coverage can provide you a clear pathway to recovery and protect the reputation of your home cleaning service in Florida.
Factors that Can Increase the Price of Workers’ Comp Insurance for Home Cleaning Services in Florida
Home cleaning service businesses in Florida are high-risk, and certain factors can escalate the perceived risk for insurers, increasing the price of coverage. These factors are related to a home cleaning service’s history of work-related accidents, age, and payroll.
Mostly because home cleaning services take place in an outside environment not controlled by a business, a client’s home, they are deemed high-risk. When you enter a client’s house, you cannot control whether or not obstructions or hazards exist, possibly increasing the chances of you or one of your cleaners sustaining a work-related injury.
Other factors that might increase the price of coverage are related to a home cleaning service’s history. For example, newer businesses across the board tend to be seen as a higher risk to insure for carriers. Typically, carriers want to see a pattern of safety and few accidents before they offer a policy. Workers’ Compensation coverage costs for home cleaning services in Florida might also increase if a business has seen several workplace accidents in the past. Larger home cleaning businesses with many cleaners might also struggle to find affordable Workers’ Compensation coverage in Florida.
To improve your chances of finding inexpensive insurance, speak with our brokers and take certain steps. Do your best to avoid workplace accidents by properly training your staff and informing them of possible dangers associated with offering home cleaning services in Florida.
Getting Workers’ Compensation Insurance for Your Florida Home Cleaning Service Business
If you own a home cleaning service in Florida, getting Workers’ Compensation insurance is important to expand your client base and protect your cleaners in case of a workplace accident. To ensure that your company has the proper protections in place, take care when reviewing quotes and policies from Workers’ Compensation carriers.
Once you’ve determined that you need Workers’ Compensation for your home cleaning service in Florida, it’s time to source quotes. To do this, our brokers will contact carriers and provide information about your business, payroll, and industry. Our brokers can get you quotes within a day or so, enabling you to find coverage faster. When reviewing quotes, keep your budget in mind and the type of coverage you need for your home cleaning service.
Before you agree to a Workers’ Compensation policy, review it. Understand its limitations and ensure all necessary cleaners are covered in Florida. Not all Workers’ Compensation insurance policies are the same, and some offer more benefits to injured workers. As the owner of a home cleaning service, it is important to stipulate in your Workers’ Compensation policy that injuries sustained on a client’s property are covered so that you can show clients proof of your coverage when they hire you.
Agree to a Plan
The final step in getting Workers’ Compensation for home cleaning services in Florida is agreeing to a policy. It is important to do this before you start working at clients’ homes so that you never operate without the proper coverage. If you are ever without insurance and own a home cleaning service that is mandated to have Workers’ Compensation based on its payroll, you might face lofty penalties from the state.
Call Our Brokers for Workers’ Comp Insurance for Home Cleaning Service Businesses in Florida
To get insurance for your home cleaning service from our Florida Workers’ Compensation insurance brokers, call NPN Brokers today at (866) 340-9120.
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