Oregon Rug Upholstery Carpet Cleaning Insurance (Quotes, Cost & Coverage)

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Frequently Asked Questions About
Commercial General Liability Insurance

How much does commercial insurance cost?

Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.

What kind of business insurance do I need?

Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.

What is a Certificate of Insurance?

A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.

Is business insurance tax deductible?

Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.

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Oregon Rug Upholstery Carpet Cleaning Insurance

OR Rug Upholstery Carpet Cleaning Insurance

Oregon Rug Upholstery Carpet Cleaning Insurance. If you have a rug, upholstery or carpet cleaning business, then you know that most of your work and time will be spent working in a client's premise or handling his property. In the course of your daily cleaning activities, there are many unforeseen risks your business can face.

Carpet cleaners provide cleaning services for rugs and carpets at a customer's premises. Some operations limit their services to one client only. Others have a number of ongoing clients or offer services to the public on an "as needed" basis. For business customers, work is often done while the business is closed. The carpet cleaner removes furniture and other obstacles from the area, vacuums the carpet, pretreats it with a cleaning solution, then finishes the job with an extraction machine that sprays heated water into the carpet while simultaneously vacuuming up the used solution along with dislodged dirt and other debris.

Special coatings, such as stain-proofing or water-proofing, may be applied. The extraction machines may be a portable self-contained unit for small operations but, usually, are connected to a truck by large hoses that provide the water and remove and store the used solution.

The good thing is that you can buy Oregon rug upholstery carpet cleaning insurance to protect you from the many threats you face.

Oregon rug upholstery carpet cleaning insurance protects your business from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.

Rug Upholstery Carpet Cleaning Risks

There are some common claims that Oregon rug upholstery carpet cleaning insurance can keep you protected from. Here are some of the most common issues that trigger a claim or lawsuit:

  • Accidentally using wrong cleaning solution on your clients property resulting in permanent damage
  • Your staff is injured while undertaking their cleaning tasks
  • Client's items gets lost while under your watch
  • Your tools, equipment or materials damaging client's property
  • Your tools or equipment result in accidents that cause injury to third parties

One of the best ways your business can be sure that such risks won't negatively impact its operations - is by buying a Oregon rug upholstery carpet cleaning insurance policy. Having this insurance is an important investment for your cleaning business. It will allow you focus your energy on growing and running your business knowing that many unforeseen risks will be paid for by your insurer.

About Rug Upholstery Carpet Cleaning Coverage

Property Damage and Injury Claims - In case there is damage to your client's property or a third party is injured and you are directly responsible, you will likely be sued for compensation. Depending on the type of injury or damage, you might be require to pay costly legal fees that could end up affecting your business operations.

No matter how much profitable your OR cleaning company is - paying out huge sums for legal feeds, court costs and damage awards will have a large financial implication on your business that could result in closure or bankruptcy. This however can never be the case if you have the right a Oregon rug upholstery carpet cleaning insurance policy.

Good For Your Business Reputation - Having your cleaning business insured will make it look professional for clients and thus giving you an edge over your competitors. In fact, many clients will only hire cleaning companies that are insured and bonded. This is because it gives them peace of mind as they know that they will be fully compensated, in case of damage or any other issues in which you are held responsible.

How To Find The Best Rug Upholstery Carpet Cleaning Insurance

Some of the things to look to for when shopping for an insurer to provide Oregon rug upholstery carpet cleaning insurance for your business include;

  • Reputation Of The Insurer - With several insurance companies failing, it is important to select an insurer who has a good history and reputation. An insurer who is reputable and credible and will come pay all compensation claims against your business. You can find out the reputation of a specific insurer by checking their reviews online or speaking with a commercial broker.
  • Cost of Policy - It is also important to get quotes to find the lowest cost Oregon rug upholstery carpet cleaning insurance policy that meets your needs. One effective way is to request for quotes from several insurance providers and select one you feel is cost effective. It is however important not just pick the cheapest insurance policy as they might not have all the coverages you need to protect your business from liability.

Oregon Carpet Cleaner's Risks & Exposures

Premises liability exposures are limited at the cleaner's premises due to lack of public access. Off-premises exposures are high as cleaning is done on customers' premises. Hoses, electrical cords, wet carpeting, and adjacent flooring can pose a trip and fall hazard to the client's family members, employees, or customers. Doors left ajar for truck-mounted hose access may allow insects or rodents to enter a building, or for small children or pets to escape a residence.

Furniture moved at the customer's site by the cleaner may be damaged or scratched. Breakables may be dropped. The absence of basic controls such as proper caution signs may indicate a morale hazard. Noise from truck-mounted equipment may affect neighbors. Damage to the carpets being cleaned will 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 increases the hazard and reduces available defenses.

Environmental impairment exposure is moderate due to the potential for air, surface or ground water, or soil contamination due to the disposal of used cleaning materials and waste extracted from carpets. Disposal must adhere to all federal and state guidelines.

Workers compensation exposure 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.

Slips and falls can occur during cleaning. The lifting of furnishings and hoses can result in back injury, hernia, sprain, and strain. Burns can result from pressing machines. Employees can be assaulted if they work alone or "off hours" in empty premises. Pets owned by the client may attack or bite workers.

Property exposures are usually limited to an office with a storage area for equipment and supplies. Ignition sources are limited to electrical wiring and heating and air conditioning systems. There may be a garage area for vehicles used to transport equipment and crew to job sites.

If any of the chemicals and cleaners are flammable, proper labeling, separation, and storage is needed in approved containers and cabinets. Fuels, oils, and lubricants will increase the fire hazard if vehicles are stored and maintained on the premises.

Crime exposures are primarily from employee dishonesty as employees may steal customers' belongings. Hazards increase without proper background checks, references, and reviews conducted by the carpet cleaner to be sure all procedures are properly followed.

Inland marine exposures include accounts receivable if the cleaner offers credit, bailees customers, contractors' equipment, and valuable papers and records for customers' and suppliers' information. The bailees exposure is for customers' property in the care, custody, and control of the carpet cleaner. A small spill or other damage to a customer's carpet could reduce the value or require replacement of the entire item. Contractors' equipment includes cleaning equipment and supplies used at customers' premises. There may be computers used for recordkeeping.

Automobile exposures may be high as owned vehicles are used to transport equipment, supplies, and crew to customers' 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.

OR Rug Upholstery Carpet Cleaning Insurance

To save time on finding the best insurance provider and policy, the best option is to contact a professional business insurance agent. This will help you make an informed decision on the best insurance policy for your cleaning business.

Oregon Business Economic Outlook & Commercial Insurance Regulations

If you are thinking about doing business in the Pacific Northwest, you might have your sights set on Oregon. However, before you set up shop, it's important for you to have an understanding of the economy - so that you can make the best decisions possible. It's also important for you to know what type of business insurance policies you are legally required to carry in order to do business in OR.

Made In Oregon

In order to help set you up for success, below, we highlight some of key information regarding the economy in Oregon, as well as the regulations regarding commercial insurance.

The Economic Outlook In Oregon

In 2018, Oregon is projected to see an increase in their economy. The unemployment rate was 4.1 percent at the end of 2017, and it is expected that it will either stay the same or drop even lower by the end of 2018.

There are several industries that are expected to contribute to the job market and the economy overall in the state of Oregon. The industry that is expected to see the most gain in this state during the 2018 calendar year is construction, with an increase of 10.5 percent. The manufacturing industry is also expected to see significant growth, with a forecasted increase of 4.3 percent. Other industries that are expected to see growth in OR in 2018 include:

  • Financial Services
  • Lodging
  • Mining
  • Trade
  • Transportation
  • Utilities
Insurance Requirements For Oregon Businesses

The Division of Financial Regulation oversees the insurance industry in Oregon. Here workers compensation insurance is mandated. If you employ one or more person, whether that person is full-time or part-time, or is hourly or salaried, you are legally required to carry this type of coverage. Additionally, you must carry commercial auto insurance if you operate vehicle for any business-related purposes, whether it's meeting with clients, making deliveries, or transporting goods.

While commercial general liability insurance is not required in OR, it is highly recommended. This type of coverage will protect you from any lawsuits and the accompanying settlements that may arise in the event that some slips and falls, or claims that you damaged their property. You should also consider investing in commercial property insurance, as it can help to offset the cost of any property losses that you might experience.

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.


Contractors And Home Improvement Insurance

If a contractor 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.

Many contractors do not have the usual location-specific buildings and business personal property exposures. Their business property is more mobile and, therefore, better covered with inland marine coverage forms. However, for those larger contractors that own buildings and/or maintain business inventory there are many coverage forms and choices available to them.

Contractors use their vehicles to get to and from their workplaces and jobsites. They also use vehicles to transport equipment and inventory to those locations. It is important to cover the liability of these vehicles for injury or damage they may cause, as well as to provide coverage for damage to the vehicles themselves.

Employers are required to provide coverage for injuries sustained by their employees while on the job. Contractors must comply with these requirements but some try to avoid them by hiring subcontractors. These subcontractors may actually operate and qualify as employees. The relationship between a contractor and its subcontractors must be carefully evaluated in order to determine if workers compensation coverage is still needed.


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