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How much liability insurance does a cleaning business need?

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Liability Insurance

Your state insurance department is your best resource for insurance-related questions and concerns. Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more!

State Insurance Department websites:

http://www.naic.org/state_web_map.htm

The answer depends on how much you intend to be sued for... Do you have a crystal ball, and can you say just how much your loss is going to be? For example, say you are cleaning, and run a frayed extension cord to the sweeper. What if you catch a house on fire, and a sleeping child is killed? What if that fire spreads to another home, and kills a family? Can you put a price on that? What if you leave a cleaning solvent where a child might drink it and die? This is not an easy answer, and should not be taken lightly. You should purchase the most insurance that you can afford, and hope for the best.

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First answer by Burrisl. Last edit by Sdresh. Contributor trust: 877 [recommend contributor]. Question popularity: 232 [recommend question]

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