Archive for Carpet Cleaners
Why Should I Carry Commercial Auto Insurance, not Personal?
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“My customer says that I have to supply them with a certificate of commercial auto insurance. I carry personal auto insurance on all my vehicles. Why isn’t that sufficient?”
Simply put, a personal auto policy doesn’t provide the same type of coverage or cover all the same types of vehicles that a commercial auto policy does. When you are working for a customer and driving onto the property they own or lease or may interact with their employees or customers in the parking lot of the building where you are to work, they want to be sure that if one of these people are injured or property is damage as the result of your being at the site with your vehicle to work for them that your policy will pay any resultant claims.
“But won’t my personal auto policy cover such claims?”
It might, depending on the situation, but it might not to. And that is why the customer wants a certificate of commercial auto insurance. Here are some examples where many or most personal auto policies will not cover. Read More→
Beware of certain exclusions
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Last week, I explained that insurance policies have exclusions to eliminate coverage for those things covered by other policies, for things that can’t or shouldn’t be insured and for things that are too costly to insure. Examples of typical exclusions include war, wear and tear, pollution. Commercial General Liability (CGL) policies have exclusions for liability arising from autos, watercraft, aircraft and injuries to employees because their are policies that are designed to cover those exposures. Where more attention needs to be paid to exclusions is where the exclusions are specific to the nature of a business’ operations. Read More→
Why Do Insurance Policies Have So Many Exclusions?
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“Why do insurance policies have so many exclusions? If insurers don’t want to cover anything why don’t they just sell something other than insurance?”
If that’s the way you’ve felt you’re not alone. But as strange as it may seem, policies with exclusions are better than those without them! You’re going to have to follow me through this one. Some policies cover very few perils (a peril is a hazard or source of loss). An example would be a simple fire policy that covers just fire and lightning. The basic fire policy has virtually no exclusions at all. If a fire loss occurs, with few exceptions such as arson by the insured, or heat damage by a fire inside of a stove causing scorching to something outside the stove, virtually all other causes of fire are covered, even a fire caused by an earthquake, volcano or flood. However, what if a tornado damages your house? What about if you have a vandalism loss or a tree limb falls on your house? Read More→
Do I Need Special Insurance If I Clean Customer’s Goods At My Location?
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“Someone said that I need special insurance if I take customer’s goods to my location to clean them. Is that true?”
Actually it is true. Your Commercial General Liability policy isn’t designed to cover that exposure. Consider the reason why. Imagine a firm that does fire/damage water damage cleanups and does “pack outs” for property in building’s that have sustained fire and water damage. Such a firm may have tens of thousands or hundreds of thousands of dollars of customer’s goods at his location to clean. A sofa that he gets $100 to clean may be worth $8,000. A liability insurance policy which is rated on cleaner’s payroll doesn’t properly reflect the exposures that such a firm would have by storing large values of customer’s good for weeks at a time. Read More→
Carpet Cleaner Work Orders
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Most damage that shows up in carpet cleaning is pre-existing damage (urine, OTC chemical cleaner damage, etc.), so why should you end up having to pay for it? Here are some tips that can help reduce the risk of getting stuck with a claim that wasn’t even your fault: Read More→