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Melanie Said:

How do I FIND affordable business insurance for my cleaning business.?

We Answered:

I clean small offices, have for years. The internet isn't the best way to shop for insurance. Let your fingers do the walking and call EVERY insurance agent in the phone book because the price does vary a lot! It may take some time but will be worth it. Plus you may pick up a customer!
Since you're starting, you may want to check the links in My Profile-I have a Squidoo lens and blog with lots of resources and tips!

Andrew Said:

Business insurance: Okay to be added to my suppliers insurance?

We Answered:

Right. Your supplier probably gets LOTS of these requests, to add the retailer as additional insured - vendor. MOST if not ALL of the businesses he sells to, will be requiring this.

You are buying the product and reselling. If the product is defective, and there is a product liability lawsuit involved, you want cover under the supplier's policy, not yours.

Most insurance companies will REFUSE to give you product liability coverage, if your supplier doesn't have any product liability coverage, or won't add you to their policy.

As a wholesaler, you WOULD be named in any lawsuit for a product liability case.