u/berserker_841

What do you to in this situation? I've had two people in a row ask about deep cleaning only their kitchen, or only a single bathroom and nothing else in the home.

Hi, I 've spent the past few months building my backend for my cleaning business and have made a lot of progress. I've been shopping for insurance in tandem with everything else and have been running into issues with classification due to NY state labor laws and egregiously high premiums.

Anyone else here have this type of setup in NY state? I'd love to pick your brain to see how you got coverage and how much it was. Essentially they wont view me as a referral business, but more in line with a General Contractor, which has a higher risk profile and higher premiums.

Everyone I've spoken to in other states that uses contractors to do the work pays like $35 a month — the highest I heard was $90 a month. I'm coming in at $136/ month through Simply Business but I've spoken to local insurance companies that said that policy probably isn't correct and that something like this would run $30K a year!

Stuck and not sure what to do. I'm onboarding people right now and don't want to spend money on ads until this is sorted.

Cheers!