You can add the new business to your existing policy. The cleaning company would not be covered until you add it to the policy.
Commercial General Liability Insurance.
Contact a good agent, they will be able to assist you with this, if they do not sell the type of insurance you require they will more than likely know an agent that does.
You should always carry liability insurance and a surety bond for a cleaning company to protect you and your customers from any accidents that my occur from your work. Both are very cheap Your state insurance department is your best resource for insurance-related questions and concerns. Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more! State Insurance Department websites: http://www.naic.org/state_web_map.htm
You need to contact an agent to get an answer to this, there are so many different coverages, limits etc.
The answer depends on how much you can anticipate your potential liability to be. For example, if you are cleaning, run a frayed extension cord to the sweeper. If a fire occurs and kills a sleeping child, or if the fire spreads to another house, the damages can be very great. Recognize though, that liability insurance policies come in various varieties, and usually have "per occurrence" limits. There are likely programs that are specially designed for your industry and which reflect typical liability limits. In all events, you should consult a licensed insurance broker who is knowledgeable about the nature of your business for guidance. Requirements also vary by state.
You need a commercial general liability policy.
Commercial General Liability Insurance.
It may not be a requirement of the company you are cleaning for to have liabillity insurance but it will help you get more jobs if you do.
Yes
GL or General Liability
It depends on the specific requirements of the office or business you are cleaning for. Some offices may require you to have insurance and bonding for liability and protection purposes. It is advisable to check with the office or business owner to determine if insurance and bonding are necessary.
58703
620.00 every yr
no
You will need to contact an agent(s) for a quote.
I'm not certain that it's actually legally required. However, even if it's not mandated, if you don't have liability insurance anyone can accuse you of breaking whatever and whether you did it or not, you're going to be the one dealing with it, including shelling out for legal fees and possibly paying for it if you lose the case. If you do have liability insurance, the insurance company will be taking care of a lot of that for you. Bottom line: yes, you need liability insurance.
Depends on the country, state and local regulations that the business is established in