 Can Life Insurance refuse payment after the 2 years suicide clause expires? |
Can Life Insurance refuse payment after the 2 years suicide clause expires?
Contrary to public belief, I've found that the laws of most states and the policies of most life insurance ... |
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 At 18 am i still covered by my dads health net insurance? |
| cuz im 18 and just found out im pregnant yay i want to know if your parents have health net are you still covered at 18 cuz im not getting married untill my fiance comes home from boot camp and we ... |
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 Pregnancy and Insurance, Please help!? |
| Alright. This is a little complicated, so bare with me. My husband and I are trying to conceive. We are currently on different insurances because his requires him to be there for 18 months before ... |
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 I need disability insurance. I've been declined by several companies due to a diagnosis of sleep apnea-hints? |
| The apnea diagnosis is so slight that I do not require treatment with a C-PAP machine. I'm surprised that I've been declined. Does anyone have any suggestions?... |
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 Are there any appeals/grievance processes against health insurance companies who deny policies? |
| This just takes the cake! My son is 4 months old. When he was born, the doctor heard a slight murmer in his heart. It was checked out with an Echo and we also followed up at 2 months with a ... |
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 What is an affordable health insurance that I can apply for in Southern California? |
| An affordable one. I can't seem to find one. I was layed off my job but my cobra will be too expensive is there anything else out there. I tried kaiser but its like 220 a month for just me.... |
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 I need cheap health insurance...? |
| and I need it fast. I need a quality health insurance company for an affordable rate. My husband and I just recently got married. So we're a young married couple putting ourselves through ... |
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 With commercial insurance I need to know what it means when the defense costs are outside the policy limits? |
| I need to know with commercial insurance what does it mean when you are asked; Are the defense cost outside the policy limits.... |
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 Life agent? |
| what's the average income for a new self-employed life agent?... |
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| Have issue with state farm insurance company.State Frarm is looking to deny my claim.What should i do.? |
| I cooperated completely but now they want all my financial records,phone records, etc.. plus a 3 hour deposition under oathe. Ive already given to recorded ... |
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 My Obgyn nurse is a.....? |
| Need advice!!!! OK. on July 11 I went in to talk to my obgyn because I wanted to get an iuc inserted. He told me I was a good candidate I was healthy and could defenatly get it if that was my choice ... |
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 Why would I pay more for less coverage in whole life insurance? |
| when I can get the right amount of coverage I need for less money in term insurance?... |
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 What are options when health insurance coverage is cancelled? |
| My daughter recently lost her job and a few days later needed to be hospitalized. The hospital checked her insurance coverage and told us it was okay. We have since been called by the hospital and ... |
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 Am I allowed to use two different Health insurance policies for visitng the doctor and paying for meds? |
| I have two different inssurance policies and I am not covered by one of them for certain meds that I need. However, the other insurance policy I have does cover the med. Now I have used the one that ... |
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 Where can I get insurance to cover my wife and I for a year as we have two cruises booked for 2009 ? |
| My health is not to good and I find some companies put the price way over the top any suggestions for( europe) plus we are both over 65... |
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 What if insurance denied hubby for tumor on his leg? |
My husband had this giant growth (bigger than basketball) on his inner thigh. He wanted to get it removed, but the insurance denied him (they felt it was cosmetic!!!)
Well, a few months ... |
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 Limit time payment whole life VS VUL? |
| I would like to know limite year payment whole life (5years, 10yearss or 15years) VS VUL insurance, which one is better down the load and why? I don't consider term life in this point. the ... |
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intensity92000 | Do i need insurance? |
I am going to be cleaning a few (2-3) houses for extra income. I have figured out what I need and that I'm going to charge a flat rate. The only other question I have is : Do I need insurance at all if its only 2-3 houses I will be doin? |
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Margarita D
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You should have insurance to provide for any damage that you might cause. The specific type of policy that you need is Commercial General Liability Insurance. If you are the only one working, i.e. you have no employees then you do not have to have Workers Compensation (provides for medical & lost wages for on the job injuries) and it would probably be a waste of money to purchase a bond (provides coverage for theft of property on the job by employees).
Getting a prospective client to sign a waiver would not be the best thing to do. You are in essence saying that even if I cause the damage to your house I am not going to be responsible enough to pay for it nor will I be responsible enough to purchase insurance to pay for it. Frankly I would not want you in my house. Waivers are used by Contractors, schools, etc. However, I can assure you that if the claim is large enough any good attorney can sue and get the waiver thrown out so why bother!
Here in the Mid-Atlantic region the cost for Commercial General Liability coverage for $1,000,000 occurrence limit (as long as it is only a one person operation) is $839 with our best company with no deductible on claims and it can be paid monthly. I am sure you can find something similar in your area but you need to do your homework. Check with other business owners and get a couple of recommendations. Then call up the agents and get a quote. Make sure you have an estimate of your annual gross receipts when you call and how much coverage you want. In my opinion you should not get less than $500,000 and it is probably best to do $1,000,000.
You should purchase insurance. It will give you and your clients peace of mind and it is a good selling point if you want to get more clients later on.
Good Luck. |
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Nicholas S
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If you know the people personally no. But if you are cleaning houses for new clients it is a plus to be bonded and insured, puts their mind at ease. |
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raj k
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Of course surely you have to get it.If you want more guide means just take a look at the below link for free information about choosing the insurance plan. |
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Serena
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You won't need insurance for you, but it might be a good idea to get insurance that protects you if something gets lost, damaged, or broken while you are working in the house. It's one of those things that can protect you, even though it is only a couple houses, you could still be sued if something goes wrong.
You could always make a contract that keeps you from being held liable for damages to anything you clean. That you will take all proper and necessary precautions but will not be held liable for any damages that will occur as the result of cleaning.
The sites below talk about small business insurance and indemnity -- which is suited to your need to protect yourself against loss and damage as the result of your efforts to clean a house. |
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mbrcatz
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Only if someone sues you over it. No one EVER needs insurance, until the time comes for a claim. Then they need it.
The question is, can you AFFORD it. For housecleaning, the MINIMUM PREMIUM is around $1500. So MOST housekeepers I know, don't have insurance, because it doesn't make sense to pay that much for the small amount of income.
Of course, if you have any assets, you can get nailed on a claim. |
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kaffegeek
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THEY are probably covered under their homeowners policy. |
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