You Have Already Hired an Individual
Let’s say you have been using the same individual cleaner for years and you don’t want to hire a professional cleaning service. Gloria is terrific. She does just what you want her to do and she charges much less than those professionals charge. One reason she can afford to charge so much less is that she has NO overhead. You pay her $40 and that is pure profit for her. Gloria doesn’t have a city business license. She is not bonded to cover possible theft. See our previous article titled Individual Vs Professional Service? (Part One) (http://www.HouseCleaningByCustomMaid.com/can-trust-housecleaner-part-one/. She is almost certainly not paying taxes on this income.
Professionals Are Insured With Workers Co
So, one day Gloria takes an unfortunate trip down the stairs. She lands at the bottom and has broken an ankle. No one is at fault, but Gloria needs immediate medical attention. She will need X-rays and even maybe surgery. She will be out of work for weeks if not months. Since this incident occurred in your home, these bills will be the responsibility of your homeowner’s insurance.
In these days of litigious people, you may even be hearing from Gloria’s attorney. Not to mention that you are out a cleaner.
If Only You Had Hired a Professional
Let’s change the story slightly. Let’s say Gloria works for Custom Maid. In that case, she is covered (by state law) by worker’s comp insurance. The insurance company will pay for all medical bills for as long as they go on. The insurance will also pay Gloria’s salary until she is medically cleared for duty. You are off the hook.
And best of all, Custom Maid will send you a replacement cleaner until Gloria returns. We would love to hear from you so we can explain all the great things about Custom Maid. Just give us a call at 499-8568.
Editor’s Note: We originally published this article in October 2013. We have edited it for freshness, accuracy and comprehensiveness.