When hiring a cleaning person, it’s a good idea to hire someone who is bonded and insured. When a company claims that its employees are bonded, it’s agreeing to be responsible if an employee steals from you. Insured, on the other hand, usually means that the company has liability, property damage, and/or workers’ compensation insurance. If you haven’t already done so, ask to see the company’s insurance certificates to verify the exact type of coverage it has.
Is your cleaner a solo act?
Here’s an important fact you should know. Courts often find that hiring an individual directly to come into your home and follow your instructions may make you the employer. In this case, you’ll have different insurance needs (e.g., workers’ compensation insurance). Review your policies and talk to your insurance agent. If you’re not sure what to do, contact an attorney who specializes in labor or employment law.
If you have insurance questions, contact the experts at Henssler Financial: 770-429-9166 or experts@henssler.com.
Disclosures:
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