QCare Georgia is Fully Insured!

QCare Georgia is committed to protecting our employees and customers by investing in a comprehensive insurance program.

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Our insurance program includes Worker’s Compensation protection for our employees to protect them AND our customers from unforseen liabilites. Worker’s Compensation Insurance is typically more expensive than all the other insurance coverages combined, so many ccompanies DO NOT purchase it. We urge our customers to obtain proof of insurance before hiring any service company to work in their home.
 

Before inviting any professional cleaner into your home, there are three types of insurance coverage the cleaning company must have to protect you from unforeseen liabilities. 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.

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.

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Worker’s 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 Georgia, employers are NOT required to purchase workers compensation coverage if they have less than three employees. Companies with less than three 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!

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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.

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Fidelity
This insurance is also commonly referred to as “crime insurance” or “bonded”. It provides coverage for losses arising from theft, fraud or other forms of employee dishonesty.
 

 

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