Frequently Asked Questions About
Commercial General Liability Insurance
How much does small business 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. (read more)
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. (read more)
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.
Washington Dryer Vent Cleaning Insurance
Washington 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 WA business and homeowners, you need to make sure that you have the right Washington dryer vent cleaning insurance policy.
Washington 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.
Why Professional 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 Washington 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 Cleaning Professionals Need?
If you are planning on starting a professional WA 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 WA 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 WA 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 WA 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 WA 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 WA 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.
Why Insurance Is Important For Dryer Vent Cleaners
Insurance will help to safeguard you and your professional WA dryer vent cleaning 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.
Washington State Economic Outlook & Business Insurance Requirements
For anyone who is thinking about starting up a business, it is important that they choose a location that suites the industry that they wish to work in. With that said, in order to determine whether or not a location is the right choice for your business, you should have an idea about the state's economic status. You should also have an understanding of the WA state regulations related to the types of commercial insurance that you are required to carry.
If you are thinking about starting up a business in the State of Washington, below, we offer some insight into the state's economic status. We also offer a glimpse at the WA insurance requirements that business owners must abide by.
State Of The Economy In Washington
Washington state may be famous for its gloomy weather, but when it comes to the economy, things here look bright. The economic outlook for Washington is healthy. It is expected that there will be more jobs added in the 2019 calendar year. There will be an increase in the productivity of labor. There will also be an increase in the state's unemployment rate during the year 2019, with a forecasted rate of 4.7 percent.
Washington is regarded as one of the top for businesses in the nation. In fact, it is listed at the 11th best state for business by Forbes. The industry that is expected to see the most growth are related to STEM (science, technology, engineering, and math). Among the top industries in this state include information technology. Education, healthcare, finance, and travel and tourism also contribute largely to the awesome economy of this state.
Commercial Insurance Requirements In WA
The Washington State Office of the Insurance Commissioner regulates the insurance industry in WA. Businesses are legally required to carry workers' compensation insurance. This type of coverage is required for any business that employs either hourly or salaried employees, and either part-time or full-time employees. You are also required to carry commercial auto insurance if you use a vehicle to conduct any type of business in this state. That means that if you are using a car to transport goods, make deliveries, or meet with clients, you must carry business auto insurance.
While commercial general liability insurance is not required in Washington, it is highly recommended. This type of insurance offers protection from lawsuits and other legal fees that may arise.
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
- Blacksmith & Metal Workers
- Builders Risk
- Cable And Satellite TV Installer
- Chimney Sweep
- Contractor Liability
- 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
- Garage Door Installer And Repair
- Glass Contractor
- Glazier Insurance
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- 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
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Swimming Pool Contractor
- Tree Surgeon
- Tree Trimming
- 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.
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Quotes from leading small business insurance carriers including: ACE, AmTrust, Chubb, Cincinnati, CNA, Colony, Employers, Evanston, Fireman's, Foremost, Guard, Hanover, Hiscox, Liberty Mutual, LLoyd's of London, Markel, MSA, Nationwide, Penn America, Philadelphia, Prime, Progressive, Scottsdale, The Hartford, Travelers, USLI, Utica First, Western World, Zurich & others.