Insurance premiums killing my small cleaning biz after that one slip claim

Just got hit with a $1200 annual hike on my GL policy from Progressive because of a single customer slip on a wet floor during a deep clean last year. We're a two-person residential outfit using basic stuff like Bona floor cleaners and microfiber mops, and now this crap is eating into our margins. Anyone else dealing with skyrocketing rates for cleaning insurance?

goddamn insurance companies are vampires, jacked my rates 40% after a bogus claim on some grout work that wasnt even my fault.

i feel your pain man, that slip and fall stuff is the worst in cleaning.

yep, been there with a similar wet floor incident on a kitchen clean.

frustrated as hell with how they tie one claim to years of higher premiums.

right? makes you wanna go bare but thats suicide in this line.

shop around for quotes every year, i switched to Hiscox and saved 300 bucks on my policy.

check out the cleaning business owners fb group, tons of guys sharing better insurers there.

proud to say i havent had a claim in 5 years, keeps my rates steady at 800 a year.

fuck these insurers, they profit off our sweat and then punish us for accidents that happen on slippery tile jobs.

another year of BS hikes, might have to pass it on to clients via surcharges.

totally get it, my crews hate hearing about budget cuts from insurance.

yeah man, hits hard when youre just trying to keep the vans stocked with supplies.

we're all getting screwed by these rate increases, time to unionize or something lol.

damn right, especially for us doing commercial cleans where risks are higher.

i hear ya, started requiring clients to sign waivers for wet areas now.

use non-slip mats and train your team on drying protocols, cut my claims in half.

commiserating hard, my policy doubled after a pet hair allergy complaint turned into a claim.

yep, these companies band together to hike rates across the board.

warning: dont skimp on coverage, had a friend get sued over a missed stain and it bankrupted him.

yeah warning to all, get umbrella policy on top for extra protection during big jobs.

another warning, document everything with photos before and after cleans to fight claims.

how do you guys handle clients who refuse to move rugs during floor cleans?

insurers are the real dirt in this biz, everyone pissed about the greed.

ugh same, just venting but it sucks.