With So many cleaning services to choose from, trying to find the most competent and trustworthy company to invite into your home can be a real challenge. There are a few very important factors we recommend that you consider when making the decision to hire a professional cleaning company:
Insurance
Before inviting any professional cleaner into your home, there are three types of insurance coverage the cleaning company must have to ensure that you're protected from unforeseen liabilities.
General Liability
This insurance provides coverage to the company for damages to property or injuries caused by the company or its employees. It is a primary line of insurance coverage that all businesses should have.
Workers' Compensation
Workers' Compensation provides payments to injured workers for the time lost from work and for medical and rehabilitation costs arising from an accident. In the state of South Carolina, employers are NOT required to purchase Workers' Compensation coverage if they have less than four full time employees. Companies with less than four full time employees, or that use sub-contractors (not technically employees), are not required to purchase Workers' Compensation coverage!
Workers' Compensation is the most expensive insurance for most employers, costing as much as 15% of the company's total payroll. Many cleaning companies do not purchase Workers' Compensation in order to save money and gain a competitive pricing advantage. BEWARE!
As a homeowner, you are assuming considerable risk if you hire someone to perform work at your home who is not covered by Workers' Compensation. Even though you are not the worker's "employer," if a worker is injured at your home and his employer does not have workers compensation coverage, some courts have found the homeowner to be liable! To make matters worse, homeowner's liability insurance policies DO NOT typically cover medical and lost wage costs for employees working in a home.
Before inviting anyone to work in your home you should require proof that the worker is covered by workers compensation insurance.
Insurance Certificate
Before beginning any work in your home, the cleaning company should be willing to provide you with an official "Insurance Certificate" as evidence that they have adequate insurance coverage in place.
Unfortunately, many companies will quote below market pricing for their work by saving money on insurance coverage and employment taxes, thereby passing the risk of loss onto their customers.
Employees
It is very important to chose a cleaner that uses employees, not sub contractors! Make sure a uniformed employee in a lettered company truck will be cleaning your home. There are some window cleaning & pressure washing companies who are really not window cleaning or pressure washingcompanies…they are just marketing companies. They advertise, book the jobs…and sub it out to an independent company. In this situation the actual company who books the job has little if any control over the qualifications and character of the technician in your home!
Cleaner's References
The company should be willing to provide references. It pays to check references to avoid potential headaches after the fact. An easy way to check references is to use the internet. Check customer ratings on web sites such as Palmetto Biz Buzz, etc. If the company posts testimonials on its web site these are helpful especially if they identify the names of customers.