Wednesday, July 30, 2008
How Do You Know If Your Maid Is Bonded And Insured?
One of the most common questions that we get asked is, "Are you bonded and insured"? It's a funny question because almost everyone that asks it doesn't have a clue as to why they are asking the question.
First off, why would you tell a prospective customer that you are not bonded or insured? Especially if that prospect will be fine if you just say that you are bonded and insured. So the first thing a prospective customer needs to do is not only ask the question - but they also need to demand that the answer be backed up with proof.
A bond and a general liability insurance policy are both represented as easy-to-read documents. Of the thousand or more calls, we may have had two people actually demand to see our bond or insurance policy. And you can bet that if we know that no one asks to see these documents - everyone else knows that too. So, make your cleaning lady prove it to you.
Secondly, you can determine the maximum payout limits of each policy by simply reviewing the documents. It won't matter if your cleaning lady is insured if her insurance only covers a few hundred bucks. A normal surety bond covers theft up to at least $10,000 and a normal general liability insurance policy covers damages up to at least $300,000.
And finally, don't forget the cleaning industry's best kept secret.