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Hire purcnotice of termination?hase
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redshinyrubys | Is there a difference? |
i am going to start a housekeeping biz is there a difference between being bonded or being
insured? what is the best option ? please xplain |
 |
 
mbrcatz
|
Yes. Being bonded means the insurance company is posting a sum of money (usually $5,000 or $10,000) to be paid to the client if you (or whoever is named in the bond) steal their stuff. You'll still be prosecuted.
Being insured means if you do something that causes injury, through negligence (ie, you leave the vacuum out, and someone trips over it, falls, breaks their leg, and sues you), the insurance company defends you in a lawsuit, and pays damages that are covered by the policy.
Frankly, if it were me cleaning other people's houses, I wouldn't cough up the $500 to $750 a year for a liability policy; and you'll probably have to personally guarantee the bond, IF a company will issue one for you. |
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mkulda
|
They are two very different things.
Being bonded covers you in case of a lack of performing a fiduciary responsibility.
Having insurance in place helps indemnify you to cover a loss for a covered peril.
Since they don't cover exactly the same thing, you should investigate getting both, if you can afford it. |
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banker lady
|
Bonded: in case something is stolen/broken. Insured: in case you get hurt on the job. |
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asking-a-question
 |
Both of them are right. |
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Badkitty
 |
Given the nature of the business you are in you probably only require a general liability policy. Check with an insurance professional. |
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