I and my friend are wanting to start our own house cleaning business,we are wanting to know if we need to be bonded and also lisence.. what all do we need to have to start our small business.
by Latisha lin - a day ago
Sorry Jen S. I answered you earlier under a different name and said that I'm not bonded because I don't have "insurance". I meant to say that I don't have employees.
by enjoy - a day ago
An indemnity bond. What EXACTLY do you want that indemnity bond to do? I think you don't realize what a bond is. It's a guarantee, from an insurance company, that you will or will not do something, to ONE person/entity. It's only good for ONE person - so you'd need one for each client. It doesn't transfer from one client to another. Insurance companies don't issue unsecured bonds unless they are pretty darned sure it won't be invoked. It's not like liability insurance, the claims rate on bonds is very, very low - because if they think a bond might be invoked, they refuse to write it. Having said that - if you're looking for a $1,000 bond against theft, it's probably going to cost you $250. Per client (obligee). If you're looking for a $1,000 bond against breakage, probably the same $250. In both cases, you'll have to guarantee the bond, most likely, with the $1,000 in cash, or irrevocable letter of credit from your bank, or some other collateral. The penalty amount is set, UP FRONT. Once a bond pays out, it's done - it's a one time deal. You can't ever put in more than one claim. I'm not sure what exactly you're trying to achieve with the bond . . .but you're probably better off describing what you want it to achieve, THEN asking your local agent what product best fits that description.
by mbrcatz - a day ago
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