Dryer Vent Cleaning Insurance Policy Information
Dryer Vent Cleaning Insurance. Dryer vent cleaning is quickly becoming a popular business. Keeping dryer vents cleaned and well maintained is vital, as it helps to prevent the risk of a fire. However, a lot of people just don't have the time or the know-how to properly clean their dryer vents. Or, they just don't want to be bothered.
If you know how to properly clean dryer vents, you can start a professional (and pretty lucrative) dryer vent cleaning business. However, before you start marketing and offering your services to business and homeowners, you need to make sure that you have the right dryer vent cleaning insurance policy.
Dryer vent cleaning insurance protects your business from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked dryer vent cleaning insurance questions:
- What Is Dryer Vent Cleaning Insurance?
- How Much Does Dryer Vent Cleaning Insurance Cost?
- Why Do Dryer Vent Cleaners Need Insurance?
- What Type Of Insurance Do Dryer Vent Cleaners Need?
- What Does Dryer Vent Cleaning Insurance Cover & Pay For?
What Is Dryer Vent Cleaning Insurance?
Dryer vent cleaning insurance is a type of insurance that covers the costs associated with cleaning and maintaining the dryer vent system in a home or building. This insurance typically covers the cost of cleaning, repair, and replacement of the vent system to prevent fires, carbon monoxide buildup, and other hazards that can occur due to clogged or damaged vents. The coverage may also include coverage for damage caused by the cleaning process or by the failure of the dryer vent system.
How Much Does Dryer Vent Cleaning Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small dryer vent cleaning businesses ranges from $37 to $49 per month based on location, size, payroll, sales and experience.
Why Do Dryer Vent Cleaners Need Insurance?
As in any business, there is always a chance that something can go wrong. A property could be damaged or someone could become injured, for example. When a mishap occurs as a result of cleaning dryer vents, you could be held legally responsible.
Depending on the particular situation, you could end up having to cover the cost of repairs, medical bills, and more. Those costs can add up pretty quickly and put your business in jeopardy.
To prevent financial disaster, it's important to make sure that you have the right dryer vent cleaning insurance coverage for your professional dryer vent cleaning company.
Insurance can offset the costs of legal fees, repairs, and anything else that might be associated with an incident.
What Type Of Insurance Do Dryer Vent Cleaners Need?
If you are planning on starting a professional dryer vent cleaning company, there are a few different types of insurance policies that you should carry:
- Commercial General Liability - This type of insurance policy is a standard for all business owners, including those who own and operate a dryer vent cleaning business. It protects you and your business from various liabilities, such as property damage, non-employee related injuries, and even damage to your reputation. For example, if you damage a customer's property while providing a service, a commercial general liability insurance policy will cover the cost of repairs, as well as any legal fees that may arise.
- Product Liability Insurance - If you offer any products to your customers - new dryer vents, for example - you should seriously consider carrying product liability insurance. In the event that a product that you provide causes damage to a customer's property or an injury, this type of insurance will cover the costs of repairs, medical bills, and any legal fees that may arise.
- Workers Compensation - Whether you have a small team or a large crew, if you employ anyone, you should carry workers compensation insurance. Workers comp will assist with the costs that are related to an employee injury, including medical bills, lost wages, retraining, and even death. Should an employee fall while cleaning out a dryer vent and sustain a broken leg, for example, workers comp insurance will help to cover the cost of the medical care that he or she requires, as well as wages that are lost while he or she is unable to work.
- Commercial Property Insurance - Lastly, you should also carry a commercial property insurance policy. This policy protects the building you operate your business out of, as well as the contents inside of it. If office is damaged by a storm or by an act of vandalism, commercial property insurance will help to pay for the cost of repairs, as well as anything that was damaged inside the property.
How Much Insurance Coverage Should You Carry?
That depends on your specific business. The size of your company, the amount of clients you service, the types of services you offer, and the types of products you provide are just some of the factors that will determine how much insurance coverage you should carry.
There is more to dryer vent cleaning than removing lint from the dryer duct. For businesses (like laundry's, hotels etc.) lint can also build up inside the dryer cabinet and on and around wiring inside. When flammable lint becomes electrically charged, it can ignite and burst into flames with the high temperatures generated by dryers.
For commercial use, the entire vent system as well as the dryer cabinet should ideally be cleaned by a professional every few months. There is also potential for larger losses in commercial locations due to larger machines and higher use.
To find out exactly how much coverage you should have for your specific dryer vent cleaning business, speak with a reputable insurance broker that specializes in the above-mentioned policies. Together, you can discuss the particular details of your organization and figure out exactly how much insurance coverage you should have.
What Does Dryer Vent Cleaning Insurance Cover & Pay For?
Dryer vent cleaners may be sued for various reasons, including:
- Property damage: If the dryer vent cleaning causes damage to a customer's property, they may be sued for the cost of repairs or replacement.
- Personal injury: If a customer or their family member is injured due to the negligence of the dryer vent cleaning, they may file a lawsuit for medical expenses, lost wages, and other damages.
- Breach of contract: If the dryer vent cleaner fails to fulfill the terms of the contract, such as completing the job on time or to the agreed-upon standards, they may be sued for breach of contract.
- Errors and omissions: If the dryer vent cleaner makes a mistake or omission in their work that leads to damages or losses for the customer, they may be sued for errors and omissions.
Insurance can help protect dryer vent cleaners and installation repair services from lawsuits by providing coverage for:
General liability: This insurance covers property damage and bodily injury claims arising from the operations of the business. For example, if a customer's property is damaged during the cleaning process, general liability insurance can help pay for the cost of repairs or replacement.
Professional liability: This insurance, also known as errors and omissions insurance, protects businesses from claims related to mistakes or omissions in their work. For example, if a dryer vent cleaning service fails to properly clean a vent, causing a fire, professional liability insurance can help pay for legal fees and damages.
Commercial auto: If the dryer vent cleaning uses vehicles for business purposes, commercial auto insurance can help cover damages or injuries that occur in an accident.
In each of the examples above, insurance can help pay for the lawsuit by covering legal fees, court costs, and damages awarded to the plaintiff, up to the limits of the policy. Without insurance, the business may be responsible for paying these costs out of pocket, which could be financially devastating.
Commercial Insurance And Business Industry Classification
- SIC CODE: 7349 Building Cleaning and Maintenance Services, Not Elsewhere Classified
- NAICS CODE: 561790 Other Services to Buildings and Dwellings
- Suggested Workers Compensation Code(s): 5537 Heating, Ventilation, Air-Conditioning and Refrigeration Systems - Installation, Service and Repair, Shop, Yard & Drivers
Description for 7349: Building Cleaning and Maintenance Services, Not Elsewhere Classified
Division I: Services | Major Group 73: Business Services | Industry Group 734: Services To Dwellings And Other Buildings
7349 Building Cleaning and Maintenance Services, Not Elsewhere Classified: Establishments primarily engaged in furnishing building cleaning and maintenance services, not elsewhere classified, such as window cleaning, janitorial service, floor waxing, and office cleaning.
- Acoustical tile cleaning service
- Building cleaning service, interior
- Chimney cleaning service
- Custodians of schools on a contract or fee basis
- Floor waxing service
- Housekeeping (cleaning service) on a contract or fee basis
- Janitorial services on a contract or fee basis
- Lighting maintenance service (bulb replacement and cleaning)
- Maid service on a contract or fee basis
- Maintenance, building: except repairs
- Office cleaning service
- Service station cleaning and degreasing service
- Telephone booths, cleaning and maintenance of
- Venetian blind cleaning, including work done on owners'premises
- Window cleaning service
Dryer Vent Cleaning Insurance - The Bottom Line
Dryer vent cleaning insurance will help to safeguard you and your professional business from any issues that may arise and that you are deemed liable for. It can help to save you a tremendous amount of money, and can even prevent you from potentially losing your business.
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
- Tank Cleaners
- Tool Grinding And Repair
- Tree Surgeon
- Tree Trimming
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
- Specialty Contractors
The contracting industry is a field that involves a lot of risks, both for the contractor and for the clients they work for. This is why commercial insurance is so important for contractors. Insurance can protect contractors from a variety of potential losses, such as:
Liability: If a contractor causes damage to a client's property or if a client is injured while on a job site, the contractor could be held legally responsible. Liability insurance can cover legal fees and any settlements or judgments that may be awarded.
Property damage: Contractors often use a lot of expensive equipment and tools, and there is always a risk that this equipment could be damaged or stolen. Commercial property insurance can help cover the cost of replacing damaged or stolen equipment.
Business interruption: If a contractor is unable to work due to an unforeseen event, such as a natural disaster, insurance can help cover their lost income during this time.
Workers compensation: If a contractor or one of their employees is injured on the job, worker's comp can help cover medical expenses and lost wages.
Overall, commercial insurance is an important risk management tool for contractors. It can provide financial protection against a wide range of potential losses, helping contractors to stay in business and continue serving their clients.
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.