What kind of insurance do I need to start a domestic staffing agency ie; chauffeur, maids ,butlers, ect...?

Question

I want to staff drivers but don't know how to cover them in clients cars..help!!!

Answer 1

You'll need garage keepers liability form to cover your drivers while they've got other people's vehicles in their care, custody & control.

It's a really expensive policy. Make sure all your drivers have spotless records, and are over 25.

Your local, independent agency can get you quotes on it. Expect it to be through the Excess Market, as a new venture none of the "standard" insurance companies will likely take you on. Actually, even if you had experience, carriers HATE this kind of policy, as you get tons of claims, even ones that AREN'T your fault, so you'll likely end up in your state facility auto pool.

You'll also need general liability and workers compensation. Bonding only covers for theft by employees - and NOT auto theft. It would be more effecient to get an employee theft endorsement on your package policy.

Answer 2

Speaking as an insurance agent this is one of the hardest classes to write...staffing...mainly because of all the different kinds of exposures you have and could grow into and all the different types of businesses / residences your people walk into.

Speak with a quality local independent agent, if you can get a referrel to an agent from someone else in a similar kind of business, do it.

I'll just add to the other responses by saying that work comp is going to be really expensive. You'll probably have to put it with the state pool to start off with and might have to stay there for up to three years until you get a viable claims record / experience.

Your insurance as a whole is going to be expensive, get a quote well prior to opening your doors so you know what costs you have to build into the cost to hire your people, insurance premium will add significantly to that.

Good Luck.

Answer 3

For domestic services you should be bonded. This will cover loss or damages that may occur. For transportation services requirements become a bit more expansive. Most insurance companies will help in getting things in order. Shop around.

Answer 4

Life insurance

Answer 5

you need insurance on the building and mulit car insurance and full benefits for the people and you need a license for every thing your doing you should have a license get the type of insurance so you can drive anyone's car then you'll be okay

Answer 6

You definitely should be bonded. Are you also offering employees health insurance. If not take a look at these websites for additional information that you can pass on to your employees. Only healthy employees make money.

-- Carye
http://www.IBOPlus.com/40485726
http://www.EveryoneBenefits.com/40485726

Answer 7

Thoroughbreds have been used because of the fact the source bloodstock in progression of breeds as countless because of the fact the Standardbred (Messenger, recognized the "founding father" of the Standardbred breed, is a Thoroughbred; Rysdyk's Hambletonian (AKA Hambletonian 10) is inbred to Messenger, who grew to become into imported to the U. S. from England in 1788), the yankee Saddlebred (in the direction of the stallion Denmark, among others), the yankee Quarter Horse (just about the entire commencing place inventory in the Quarter Horse studbook have been Thoroughbred crosses or the offspring of Thoroughbred crosses), the countless warmblood breeds, and extremely just about each and each breed of sunshine-legged horses different than the Arabian. the yankee Quarter Horse corporation, the Appaloosa Horse club, and the yankee Paint Horse affiliation all enable the registration of horses that have a Thoroughbred dad or mum. The AQHA and the Appaloosa Horse club each and each positioned such crosses in an "appendix" classification, whether enable progression from Appendix to everlasting popularity if the horse's overall performance meets special standards. in case you seem on the pedigrees of many champion QH's and Appies, you in looking Thoroughbreds in the 1st 3 receives rid of of the pedigree. very just about each and all of the Warmblood institutions proceed to permit Thoroughbred and Thoroughbred crosses for use in the breeding programs, so long because of the fact the Thoroughbreds go by technique of way of the inspection technique and meet the factors for the breed. back, once you seem on the pedigrees of many champion Warmbloods, you in looking Thoroughbreds close up in the pedigree. Thoroughbreds have carried out sturdy as Dressage horses. Hilda Gurney's wonderful champion dressage horse prepared grew to become into as quickly as a Thoroughbred who raced (unsuccessfully) under the call Willoughby. Many Thoroughbreds excell at Dressage. Thoroughbreds is additionally used as person-friendly exhilaration driving horses. they do no longer seem to be all as "warm" as women and adult males persons think of they're, in specific in the event that they have below no circumstances long gone to the racetrack. i've got time-commemorated a sort of Thoroughbreds that have been stunning kin horses which you may go course driving on 6 days a week and take to a horseshow on Saturday and do o.k. on.