At ClearPro Window and Carpet Cleaning, we will always operate our business in a professional and ethical manner. This includes being properly insured. We are fully insured for your peace of mind as well as ours. Our company vehicles have full insurance coverage. Our technicians and office staff are fully insured by a CopperPoint Mutual Worker’s Compensation Policy. We carry a $2,000,000 general liability policy with special riders to protect our customers’ homes and property. Our staff is also covered by a $10,000 Dishonesty Bond. We are very proud of the fact that we have earned substantial premium reductions for achieving a stellar safety record.
Does a general liability insurance policy cover every type of loss that could be caused by a service provider while performing work on your property? NO! We also choose to carry two (2) additional riders that protect our customers and ourselves from specific losses not covered by our general liability policy:
Care, Custody, and Control Rider – This rider specifically insures against damage or loss of a customer’s property while being handled by the service provider. For example, a carpet cleaning technician picks up an antique vase from a coffee table intending to move it to a different location when he breaks it as the result of accidently dropping it. A general liability policy will not cover this loss unless the insured has a Care, Custody, and Control Rider for the policy.
Accidental Property Damage Rider – This rider specifically insures against damage or loss of a customer’s property while being worked on by the service provider. For example, a carpet cleaning technician uses an improper cleaning product while attempting to remove a stain on a Persian rug ruining a section of the rug. A general liability policy will not cover this loss unless the insured has a Voluntary Property Damage Rider for the policy.
Why do we provide proof of our current insurance coverages to our customers? Quite simply, in today’s litigious American culture you can’t take the risk of doing business with anyone who is not properly insured. You should always verify that service providers working on your property have worker’s compensation and general liability insurance policies with appropriate limits …and that these policies are currently in force. Insist on seeing the insurance certificates or better yet call the service provider’s insurance agents to verify coverage.
Can’t I just ask a prospective service provider if he/she is insured? NO! We’d like to believe everyone is honest, but this just isn’t the case. We regularly run across other cleaning businesses, especially those new to the trade and sole proprietors, who claim to be insured but simply are not covered. Perhaps they had insurance at one time but dropped coverage because it is so expensive. Sometimes, they never have never had coverage at all but have been dishonest in order to gain new business. The absolutely worst time to discover that a service provider doesn’t have the insurance he/she claimed is after your property has been damaged or you have had a claim filed against your homeowner’s insurance policy for an injury someone suffered on your property.