Curtain Cleaners Insurance Michigan Policy Information
Curtain Cleaners Insurance Michigan. Curtain cleaners remove dirt, dust, and other debris from curtains and draperies. While some cleaning can be done on customers' premises, primarily by vacuum cleaning, curtains or draperies will generally be taken back to the plant for cleaning. For business customers, the on-premises work is often done while the business is closed. Some operations offer cleaning services for blinds as well. Depending on the type of customer and services offered, the operations may include removal and pickup of soiled curtains, spot-cleaning or pretreating stains, laundering, or dry cleaning, pressing, and finally returning and rehanging the freshly cleaned curtains.
Special coatings, such as stain-proofing or water-proofing, may be applied during the cleaning process. Incidental repair work, such as replacing curtain hooks or restitching seams or hems, may also be performed.
Curtain cleaning may not seem like a complex task to many; however, in reality, it is actually a specialized skill that requires extreme accuracy. Curtains can be made from a variety of materials and can feature a wealth of colors. In order to ensure that they are properly cleaned, the right type of methods and cleansers must be used; if not, there is a chance that they can become damaged to the point that they cannot be repaired.
Given how delicate many types of curtains can be, many people seek the services of a professional curtain cleaner. If you offer these types of services, it's important to make sure that you protect your business with the right type of curtain cleaners insurance Michigan.
Curtain cleaners insurance Michigan protects your drapes, curtains and blinds cleaning business from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.
Why Do Curtain Cleaners Need Insurance?
Believe it or not, there are several risks associated with owning and operating an MI curtain cleaning business. Not only do you have to ensure that you are properly cleaning the textiles that you are hired to cleanse, but you also have to make sure that your employees are taken care of, order inventory and invoicing, and so much more. Though you make every effort to ensure that your business is running smoothly, emergencies and accidents can happen.
While cleaning a client's antique curtains, for example, you could use the wrong cleanser and bleach or stain it. The owner of the damaged textile could then file a lawsuit against you for property damages. In terms of your employees, cleanser could get into a staff member's eyes and cause serious damages that require extensive medical care. These are just some of the problems that could occur. In any of these situations, as the owner and operator of the curtain cleaning business, you are liable for any damages. That means that you would be responsible for the cost of any damages and medical care, as well as any litigation that may arise.
Add to all of that the fact that your property could be damaged in a fire, a tree could fall on your roof, or you could be involved in an accident while traveling to a job site, and you are responsible for even more exorbitant costs.
Without the right curtain cleaners insurance Michigan coverage, you will have to pay for all of the aforementioned expenses out of your own pocket. Those expenses can be astronomical, and could potentially put you in financial ruin and ultimately, you could end up going bankrupt. If you are properly insured, however, your carrier will assist with covering the costs that you are responsible for when the unthinkable happens. In other words, commercial insurance provides financial security.
What Type Insurance Do Professional Curtain Cleaners Need?
There are several types of insurance coverage that professional curtain cleaners should invest in. The specific types of coverage that are needed will vary from business to business and depend on a variety of factors; the size of your organization, the number of employees on your staff, and where your business is located, for example.
With that said, there are certain types of coverage that all professional MI curtain cleaners must carry, including:
- Commercial General Liability - Third-party injuries and property damages are covered by this type of insurance; it also covers the expense of any litigation should a third-party file a lawsuit against you.
- Commercial Property - Whether you buy or lease your property, or even if you operate your business from your home, you'll want to purchase commercial property insurance. This type of coverage protects the physical structure of your business, as well as the contents that are inside the building. If a car drives into your building (it can happen), this policy will cover the cost of any necessary repairs.
- Workers Compensation - If you employ a staff, you'll also need to carry workers' comp. This type of insurance pays for any work-related injuries or illnesses your employees sustain, including the resulting medical care that they require, as well as wages that they may lose while they are recovering and unable to work.
You could purchase these types of insurance individually; or, you could speak to a reputable insurance agent to find out if there are comprehensive curtain cleaners insurance Michigan policies available that combine the necessary coverage in one package.
How Much Does MI Curtain Cleaners Insurance Cost?
The cost of insurance will depend on a variety of factors. Where in Michigan your property is located, the type of clients you rent to, the size of your rental property, and the overall value of the property are just some of the factors that will affect the cost.
MI Drape, Blind And Curtain Cleaning Risks & Exposures
Premises liability exposures are very limited at the plant due to lack of public access. Any visitor areas should be in good condition and free from any tripping hazards. High concentrations of chemicals used in the cleaning process may be corrosive and/or toxic. Fumes, spills, or leaks may result in bodily injury or property damage to neighboring premises. Off-site exposures are high, particularly if cleaning is done on customers' premises. Electrical cords, cleaning equipment, and piles of curtains can pose a trip and fall hazard to the client's family members, employees, or customers. The absence of basic controls such as proper caution signs may indicate a morale hazard.
Removal or rehanging items, particularly if the cleaner must move furnishings to get to the curtains, can result in damage to the customer's property, such as spills, marring, scratched surfaces, and the upset or dropping of breakables. Damage to the curtains being cleaned fall under the care, custody, and control exclusion, and should be covered with a bailees' customers form under inland marine. Failure to secure the premises during cleaning and especially upon completion of the work is a major concern. The hazard increases in the absence of proper training and procedures such as lockup, key control, and final checklist.
Some areas of a customer's home or business may need to remain closed because they contain property susceptible to damage, dangerous pets, or confidential information. Personal injury exposures include assault and invasion of privacy. Failure of the cleaning service to run background checks and review references on employees both increases the hazard and reduces available defenses.
Environmental impairment liability exposure is high due to the potential for air, surface or ground water, or soil contamination due to the disposal of used cleaning chemicals and waste extracted from curtains. Disposal must adhere to all federal and state guidelines. Soil around the premises may be contaminated by disposal of chemicals used in the past.
Workers compensation exposures can be high. Work is frequently performed under time constraints. Workers can experience lung, eye, or skin irritations and reactions to the cleaning chemicals. Employees must be fully informed as to the potential effects of any chemicals, including long-term occupational disease hazards, so that they can take action as quickly as possible. Cuts and puncture wounds can result from sewing. Slips and falls can occur during cleaning at the dry cleaning facility or at customers' premises. Lifting, removing, and installing draperies can cause back injury, hernia, sprain, and strain. Workers may fall from ladders or scaffolds while removing or installing curtains at customers' premises. Employees can suffer assault if they work alone or "off hours" in empty premises. Pets owned by customers may attack or bite workers.
Property exposures generally include a small office, laundering facilities, and perhaps a warehouse for storage. There may be a garage area for vehicles used to transport equipment and crew to job sites. Ignition sources include electrical wiring, laundering equipment, water heaters, and heating and air conditioning systems. Flammables include the textiles or other fabrics to be cleaned, lint from dryers, and scrap materials. At one time, the chemicals used for dry cleaning were highly flammable, but most dry cleaners now use alternative chemical applications with less exposure to fire or explosion. One chemical is generally used to pretreat stains and another to clean the entire item. The spot cleaners tend to be the most flammable.
Hazards increase without proper storage and handling methods. Fire and explosion hazard may be severe unless there are dust collection systems and procedures for regular removal and disposal of scraps. Poor housekeeping is a serious fire hazard. Unless disposed of properly, greasy, oily rags (such as those used to clean the machinery) can cause a fire without a separate ignition source. Fuels, oils, and lubricants will increase the fire hazard if vehicles are stored and maintained on the premises.
Equipment breakdown exposures include breakdown losses to the dust collection and ventilation systems, cleaning equipment, electrical control panels and other apparatus. Breakdown and loss of use to the washers, dryers, and dry cleaners could result in significant loss, both direct and under time element.
Crime exposures include both employee dishonesty and theft of money and securities, especially if there are numerous cash transactions, such as collections by route drivers. Lack of control over pre-employment background screening, separation of duties, and reviews of procedures used at customers' premises increases the exposure. All retail operations should have a monitoring and verification system in place to reconcile bills and receipts with services rendered.
Inland marine exposures include accounts receivable if the cleaner offers credit, bailees' customers, computers, and valuable papers and records for customers' and suppliers' information. The bailees customers exposure begins when the employee removes the curtains and ends when they are returned to the customer and rehung. The primary causes of loss are fire, theft, collision, overturn, and water damage. Hazards increase in the absence of adequate procedures, such as tagging or marking, to identify customers' goods.
Business auto exposures may be high as owned vehicles are used to transport equipment, supplies, and crew to customers' premises, or to pickup and deliver curtains treated at the cleaner's premises. Small tank trucks contain cleaning solutions, water, and the used solution with wastes after removal. All drivers must have a valid driver's license and acceptable MVR. Vehicles must be regularly maintained and records kept at a central location. If vehicles are taken home, there should be written procedures regarding personal use by employees and their family members.
MI Curtain Cleaners Insurance - The Bottom Line
To find out more about the type of curtain cleaners insurance Michigan you should carry, how much coverage you need, contact a reputable commercial insurance broker.
Michigan Economic Data And Business Insurance Requirements
Business owners who are interested in establishing operations Michigan must have a thorough understanding of the state's economy. They should also familiarize themselves with any regulations and limits that state may have in place for commercial insurance.
Any entrepreneur who is thinking about starting a business in the Great Lake State first needs to determine if it's a feasible location for business operations. As such, it's important to have a keen understanding of pertinent details regarding the economy of Michigan, in addition to the types of insurance coverage that are mandatory for corporations that operate within the state.
Economic Trends for Businesses In Michigan
After a long period of stagnant job growth in the early part of the 21st century, MI has been experiencing a steady increase in employment gains. Between 2009 and 2018, the state has enjoyed a period of uninterrupted job growth; the longest stretch of job growth since World War II. According to economists at the University of Michigan. While there has been a slight decline in the rate of job growth, job creation continues and forecasters say will continue for the next two years, into 2021.
In 2018, an estimated 55,200 jobs were created; in 2019, it's expected that 35,800 jobs will be created, and in 2020, economists believe that there will be a total of 39,300 jobs created in Michigan. While that rate of growth is 1.9 percent slower than the job growth rate between 2011 and 2016, it is still a steady increase overall. In total, approximate 683,200 jobs will be created in MI between 2099 and 2020; almost four out of the five jobs that were lost during the early part of the 21st century will be recovered.
While the unemployment rate has steadily improved, it is still above the national average. In March of 2019, the national unemployment rate was 3.8 percent, while in the state of Michigan, it was 4.0 percent. Mid-Michigan has experienced the largest growth rate in the state, and according to forecasters, it looks like that trend will continue, moving forward. Industries that are expected to see the most growth include:
- Energy, due largely to research and development in clean energy
- Food and agriculture
- Transportation and mobility
- Healthcare industry
- Information and technology
In the state of MI, business owners are not legally required to carry liability insurance; but most entrepreneurs opt to invest in a General Liability or Business Owner's Policy (BOP). A commercial auto insurance policy is also required for any businesses that use motor vehicles to conduct any aspect of their business operations. Workers' compensation insurance is also required for any businesses with non-owner employees. While the following forms of coverage are not required, depending on the type of business you operate, they are recommended:
- Data breach insurance
- Business income insurance
- Commercial Umbrella insurance
Additional Resources For Contractors & Home Improvement Insurance
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
- Air Conditioning Systems Installation Repair
- Appliance Repair & Service
- Blacksmith & Metal Workers
- Boat Repair & Dry Docks
- Boiler Contractors
- Builders Risk
- Building Cleaning & Maintenance Services
- Cabinet Installer
- Cable And Satellite TV Installer
- Chimney Sweep
- Cistern Contractors
- Contractor Liability
- Curtain Cleaners
- Deck Builders
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Furniture Repair
- Garage Door Installer And Repair
- General Contractors
- Glass Contractor
- Glazier Insurance
- Gutter Installation And Repair
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- Oil And Gas Well Drilling Contractors
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation & Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Surety Bonds
- Swimming Pool Contractor
- Swimming Pool Service And Maintenance
- Tool Grinding And Repair
- Tree Surgeon
- Tree Trimming
- Tank Cleaners
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
A contractor that wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.
Physical damage coverage for tools, supplies and equipment, both on and off the contractor's premises, is a concern. Liability exposures at the premises of the contractor, and at the premises of the contractor's customer, must be properly addressed along with completed operations. Business insurance is very important as is workers compensation insurance protection for employees.
Contractors may work under a general contractor as a subcontractor in larger construction projects - like a new commercial site or residential subdivision. They can work on smaller projects directly with a home owner, usually specializing in renovations or remodels.
In business insurance speak, often called 'artisan contractors' or 'casual contractors', they are involved in many aspects of construction and contracting work – and include various trades and skills. Carpenters, painters, plumbers, electricians, roofers, tree trimmers, landscaping are just a few examples. They may do roofing, fencing, drywall, tile work and many other trades that involve skilled work with tools at the customer's premises.
An artisan contractor performs a single trade or job, and each has its own specialized liability needs with its own exposures to risk and accidents. Contractors liability insurance can offer coverage for bodily injury, property damage, advertising injury and medical payments.
Most artisan contractors should have commercial general liability at the very least, but many need broader coverages - like an umbrella to increase their limits of liability, inland marine policy to protect their tools, workers compensation if they have employees, and even commercial auto if they use vehicles for business purposes.
Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability.
Request a free Curtain Cleaners Insurance Michigan quote in Adrian, Allen Park, Allendale, Ann Arbor, Auburn Hills, Battle Creek, Bay City, Berkley, Beverly Hills, Big Rapids, Birmingham, Burton, Cadillac, Clawson, Coldwater, Cutlerville, Dearborn, Dearborn Heights, Detroit, East Grand Rapids, East Lansing, Eastpointe, Escanaba, Farmington, Farmington Hills, Fenton, Ferndale, Flint, Forest Hills, Fraser, Garden City, Grand Haven, Grand Rapids, Grandville, Grosse Pointe Park, Grosse Pointe Woods, Hamtramck, Harper Woods, Haslett, Hazel Park, Highland Park, Holland, Holt, Inkster, Ionia, Jackson, Jenison, Kalamazoo, Kentwood, Lansing, Lincoln Park, Livonia, Madison Heights, Marquette, Melvindale, Midland, Monroe, Mount Clemens, Mount Pleasant, Muskegon, Muskegon Heights, New Baltimore, Niles, Northview, Norton Shores, Novi, Oak Park, Okemos, Owosso, Pontiac, Port Huron, Portage, Riverview, Rochester, Rochester Hills, Romulus, Roseville, Royal Oak, Saginaw, Sault Ste. Marie, South Lyon, Southfield, Southgate, St. Clair Shores, Sterling Heights, Sturgis, Taylor, Traverse City, Trenton, Troy, Walker, Warren, Waverly, Wayne, Westland, Wixom, Woodhaven, Wyandotte, Wyoming, Ypsilanti and all other MI cities & Michigan counties near me in The Great Lakes State.
Also find MI local small businesses by General Liability Class Code and learn about Michigan small business insurance requirements for general liability, business property, commercial auto & workers compensation including MI business insurance costs. Call us (313) 344-7177.