Tennessee Rug Upholstery Carpet Cleaning Insurance

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Tennessee Rug Upholstery Carpet Cleaning Insurance Policy Information

TN Rug Upholstery Carpet Cleaning Insurance

Tennessee 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 Tennessee rug upholstery carpet cleaning insurance to protect you from the many threats you face.

Tennessee 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 Tennessee 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 Tennessee 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 TN 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 Tennessee 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 Tennessee 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 Tennessee 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.

Tennessee 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.

TN 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.

Tennessee Economic Data & Commercial Insurance Information

Made In Tennessee

If you're a entrepreneur, you need more than just a great products and services and a well-established business model to be a success; you also need to choose the right location for your organization. No matter how awesome your ideas are, if your business isn't located in a place where what you offer will provide value to consumers, you're going to struggle to succeed.

Whether you're thinking about setting up the headquarters of your organization or you're planning on opening a branch of your company in Tennessee, familiarizing yourself with the economic trends and the requirements for commercial insurance in the state is crucial for your success. Below, we offer insights regarding job growth and insurance coverage requirements in The Volunteer State.

Economic Trends For Small Business In Tennessee

In regard to job growth, the state of Tennessee is exceeds the rate of national job growth. As of February 2019, unemployment rates were at a historic low in The Volunteer State, with a rate of 3.2% throughout the state; 0.1% lower than the last historic low of 3.3% in October of 2018. That's lower than the national unemployment rate, which was reported to be 3.8% in February of 2019. Economists are forecasting continued job growth throughout the state into 2019.

In addition to positive job growth, the state of Tennessee offers other favorable conditions for entrepreneurs. No personal income tax and more training and education opportunities for the workforce are just some of the factors that make The Volunteer State a great place for business owners of both established companies and startups. While the entire state offers favorable conditions for businesses, the eastern and middle areas are considered the best to start a business; this includes big cities like Nashville and Knoxville; however, cities throughout the state are also offering great opportunities for business operations, such as Chattanooga, Memphis, Pigeon Forge, Alcoa, Lebanon, and Crossville.

Industries that are thriving in Tennessee include:

  • Agriculture
  • Construction
  • Healthcare
  • Information technology
  • Manufacturing
  • Technology, as a whole
Business Insurance Regulations & Limits In TN

The Tennessee Department of Commerce & Insurance regulates insurance in Tennessee. Just like any other state in the country, there are regulations in place regarding commercial insurance. Business owners are required to carry certain types of coverage to protect themselves, their clients, and their employees.

Small businesses with 5 or more employees are required by TN state law to have workers comp insurance coverage. That drops to 1 or more employees if they operate in the construction business or trades (construction service providers).

If you use certain types of motor vehicles for business-related purposes, you'll also need to invest in commercial auto insurance coverage to protect your drivers, as well as other drivers on the road.

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

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.


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Also learn about Teneessee small business insurance requirements for general liability, business property, commercial auto & workers compensation including TN business insurance costs. Call us (901) 255-6544.

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