10/6/22 Update: Carfagno Cleaning servicing homes and offices as a solo operator (just Ken) changed in July 2021 to the Carfagno Commercial Cleaning. The C3 Experience NO LONGER serves homes. Our niche is professional office spaces like medical, financial, and professional. C3 is building a team of employees. As I stated in this article, employers MUST have bonding. C3 is fully insured and fully bonded. This original article is still very useful for non-employers.
Original Article: I'll keep this article short and sweet. I am fully insured. I am NOT bonded. Read my last article called "Do You Do Contracts?". I share that solo-operating companies do not need contracts due to reduced liability & legal disputes. When it comes to insurances for cleaning companies, most companies purchase three: General Liability, Crime Bonding, and Worker's Compensation.