I'm thinking of cleaning houses as my job. It's just going to be me so do I need insurance or anything?

"Need" is a relative term. Cleaning houses is a very popular, mostly uninsured, under the table way to get income.





Insurance is going to cost you about $1500 a year, the first year, and will only cover you if you get sued because you did something negligent that caused someone else injury. It's NOT going to cover if you accidentally break something while dusting.





Bonding doesn't cover what most people think it does. Even if you have liability coverage, you probably DON'T need a bond, unless you're looking for government work.





Most people that do it on the side, can't afford the insurance.
I'm thinking of cleaning houses as my job. It's just going to be me so do I need insurance or anything?
Yes, you will...
Reply:In several states I have lived in, Texas, Illinois, Kansas, Florida, most house cleaners are bonded and insured. I would not, nor do I know of anyone who would let a stranger into the house with out bond or insurance.
Reply:Check with the Chamber of Commerce in your home town. You will definitely need to be bonded, so my hunch is you will also need to be insured. Each state has different laws. Hope this helps a little bit. Annie
Reply:yes incase someone claism you stole something there is insurance to protect you from this
Reply:not as far as i know, but you will need personal insurance, since the job will not have health benefits.
Reply:Better you have one, because if something happen to you and you have a insurance.
Reply:you need to be insured and bonded.
Reply:WIth most businesses insurance is recommended and in most states required. Check out the below website for additional information. Good luck





- Carye


http://www.IBOPlus.com/40485726


http://www.EveryoneBenefits.com/40485726
Reply:I'm not sure about insurance but you need to be bonded.
Reply:If you're getting paid under the table, getting insurance might blow your cover.
Reply:you may need insurance, because clients will be less likely to hire you without insurance, unless you have enough clients already.
Reply:I would not think so. Cleaning houses does not require you to file for a business license. I know a lot of people that do that on the side. Even if you do it as your job, I really do not think you need to have all of that stuff. As far as reporting what you earned to the IRS for tax purposes, that is a different story. You should ask someone who knows taxes about that one.