FAQ

General Program Questions:

What are green cleaning practices?
Green cleaning includes at least one of the following practices:

How does this program work?
By incorporating your insurance with your membership we are able to eliminate the minimum premium per member; this is what usually makes insurance unaffordable for individuals. This policy provides $1,000,000 liability coverage per occurrence with an annual aggregate of $2,000,000. These limits apply separately to each member. Policy terms and conditions are discussed later in the Q & A. Insurance is administered by RPS Scobie Group and underwritten by an AM Best rated: A (Excellent) Insurance Company.

As a member of Ever-Friendly Residential Cleaning Association, LLC (EFRCA), your membership includes coverage through a master policy. You will receive a certificate of membership issued for a one year period from the date of issuance.

Who is RPS-Scobie Group?
They are a national broker-agent that manages this program for the insurance company and the covered cleaning company. RPS-Scobie Group specializes in association and group insurance. They have been operating on a local or national basis since 1932.

Why do I need insurance?
General Liability Insurance will protect you from lawsuits arising out of the operation of your business. Losses such as:

  • You are vacuuming at a client’s home and the homeowner accidentally trips over the vacuum hose and is injured.
  • A client is visiting your office and slips or falls and is injured.
  • You are cleaning a client’s home and a throw rug is accidentally misplaced and the homeowner trips on it and is injured.
  • A client's property is damaged directly by you or your employee(s).

What are the special features of this program?

  • $10,000 Employee Surety Bond. This would cover employees or independent contractors for up to $10,000 per occurrence/$25,000 annual aggregate for theft of property at your client's home.
  • $2,000 Lost Key Coverage. This would pay for the cost of having new keys and locks installed in a customer's home should you lose their keys. This does not cover the cost of having a locksmith open a door or damage caused to open a door by force.
  • $10,000 Accidental Breakage and Mysterious Disappearance Coverage. This provides $10,000 per occurrence/$25,000 annually for the loss of the personal property of customer’s property.

Who is covered?
Your business and you as the owner of the business are included in the basic membership for $379. If your business is a partnership, your partner or partners can be added for $299 each, per year. Your employees and independent contractors can be added for $299 each, per year. Injury to yourself, your children, spouse, employees or independent contractors is not covered under this policy. You may have a maximum of 10 employees, including the owner(s).

What is covered?
Coverage is provided for "Bodily Injury" or "Property Damage," plus "Personal and Advertising Injury Liability" for covered perils as defined in the policy. The policy is written on a standardized insurance form provided by the Insurance Services Office, form CG 0001(12 07). Certain policy terms, conditions and exclusions apply. We will explain some of these further on in the Q&A.

What does the insurance pay for?
The policy states: "We will pay for those sums that the insured becomes legally obligated to pay as damages because of 'Bodily Injury' or 'Property Damage' to which this insurance applies. We will have the right and duty to defend the insured against any 'suit' seeking those damages."

What is not covered?
Certain standard exclusions apply to all commercial liability policies. These include items such as; expected or intended injury, certain types of contractual liabilities, liquor liability, worker's compensation, employer's liability, pollution, aircraft, auto and owned watercraft, mobile equipment, damage to property you own or lease, war, sexual abuse and molestation. The policy also does not provide coverage for bodily injuries to the cleaning company, or their employees and/or independent contractors, as this is something that would be covered by workers compensation insurance not general liability insurance. The retail or wholesale selling of cleaning products is not covered by this policy.

Is this a full year policy?
Yes, this is an annual policy covering you year round for your cleaning service business. Please mark your calendar as a reminder of your renewal date. Although EFRCA does send out renewal letters to all members about 35 to 45 days prior to the expiration of their memberships, those letters do occasionally get lost in the mail.

When are my membership and insurance effective?
The earliest your membership and insurance will take effect is the date of postmark on your envelope or day of credit card payment online. If you have prior claims, then coverage will be subject to underwriter approval.

Are there any deductibles?
There is $500.00 per occurrence deductible for any Property Damage or Bodily Injury claim.

What is the program territory?
The program territory is the United States of America and Canada, which means that EFRCA members can work in either of these locations. However, the member's main location and mailing address must be within the United States. Therefore if we have a member that lives in the US and works in Canada, that is fine, but we cannot write someone that lives in Canada and works in the US. Please note that there is no coverage for anyone living in or working in Mexico.

How can I pay for my membership?
You can pay online using a credit card through Paypal (follow instructions). Or you can send your application along with a check or money order for the correct amount due to Ever-Friendly Residential Cleaning Association LLC. Your membership and insurance will be effective on the date of postmark on your envelope or date of Paypal payment. If you have prior claims, then coverage will subject to underwriter approval. Please note that if your check or money order is lost and not received by EFRCA, you will not receive a refund.

What types of businesses are covered by Ever-Friendly Residential Cleaning Association, LLC?
EFRCA covers cleaning companies, carpet and upholstery cleaners having no more than 10 employees Including the owner(s).

Eligibility Requirements

How do I file a claim?
To file a claim call the insurance company directly at 1-800-723-2002 ext. 6042 with your name, member id number, and your claim information.

Cancellation & Renewal Questions:

If I cancel my membership with EFRCA, will I receive a refund?
EFRCA memberships are subject to pro rata cancellation. Return premium will be determined by the insurance company.

How do I go about renewing my membership?
EFRCA sends out renewal letters or emails to all members about 35 to 45 days prior to the expiration of their memberships. We do suggest that you mark your calendar to remind yourself of your renewal date in case the renewal letter gets lost in the mail or the email gets sent to your SPAM or JUNK folder. If you do not receive your renewal letter, you can simply fill out a new membership application, found on this site, and indicate at the top that you are a renewal member and advise what the renewal date should be. Membership is effective the postmark date or any future date listed on the application so as long as you get your renewal application in the mail by your expiration date, you will not have a lapse in membership.

Insurance Terminology or Specific Coverage Questions:

What is Bodily Injury?
The policy defines Bodily Injury as: "bodily injury, sickness or disease sustained by a person, including death resulting form any of these at any time."

Bodily injury liability is designed to pay for injury you cause to someone else. Example, you are vacuuming at a client’s home and the homeowner accidentally trips over the vacuum hose and is injured. The Bodily Injury limit is: $1,000,000 per occurrence with a $2,000,000 aggregate.

What is Property Damage?
The policy defines Property Damage as:

  1. Physical Injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or
  2. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the "occurrence" that caused it. Property damage liability is designed to pay for damage to property of others. This coverage contains a special exclusion for property in your care, custody and control. This is why we have designed the special coverage to protect your business and provide coverage.

What is an occurrence?
An occurrence is a single claim or loss. The limit we provide is the most we will pay for a single loss. Liability is at $1,000,000 for "Bodily Injury" or "Property Damage". Loss to personal property of the client caused by Accidental Breakage and Mysterious Disappearance is $10,000.

What is an aggregate?
An aggregate is the most we will pay for all losses that occur during the policy period. The policy period is one year from the date the cleaning service business joins the association. Liability is at $2,000,000 for "Bodily Injury" or "Property Damage".

What are Products and Completed Operations?
The policy states: "Includes "Bodily Injury" or "Property Damage" occurring away from premises you own or rent and arising out of "your product" or "your work."

This is coverage for anything that you sell or give to your clients. However, the sale of cleaning products is excluded.

What is fire legal damage?
This covers liability for damage to a premises that the cleaning service business leases or rents. Our policy provides up to $100,000 Fire Legal Damage. This does not provide any coverage for property you own. Example, if you rented an office from someone and there was a fire that you caused we would pay for the damage to that part of the building you rented. If the damage spread beyond your area, the liability policy would pay that under property damage liability.

What are medical payments?
A medical payment is third party coverage that covers medical payments to persons other than the cleaning service business. Our policy includes $5,000 of medical pay coverage. This does not apply to you or your employees. An example of how this coverage works would be if you are cleaning a client’s home and a throw rug is accidentally misplaced and the homeowner trips on it and is injured, we would pay for that person's medical bills. This could be done without the other party starting a lawsuit or there being any legal liability on the part of the cleaning service business. If the medical costs exceed $5,000, there would potentially be up to $1,000,000 of bodily injury coverage within the basic membership occurrence limit, but there would need to be legal liability and negligence on the part of the cleaning service business in order for that coverage to come into play.

What is lost key coverage?
This coverage pays for the cost of installing new locks at a customer's premises because you lost their key. Our policy includes $2,000 lost key coverage for re-keying of customers homes with a $10,000 annual aggregate. The lost key coverage does not cover a locksmith getting you into the house or any damage done to the house in an attempt to get inside.

Employee & Independent Contractor (IC) Questions:

What if I need to add an employee or independent contractor during the year?
If you need to add an employee or IC during the year, we pro rate the premium from the time you add the employee or IC until the end of your membership. At renewal time you will need to include the employee or IC on your renewal application and pay the full cost for the upcoming term. The charge for adding them midterm is:

  • First 3 months of membership: $299.00 each
  • After 3 months but less than 6 months: $229.00 each
  • After 6 months but less than 9 months: $159.00 each
  • After 9 months, until end of membership: $89.00 each

If replacing an employee or independent contractor, there is not need to notify EFRCA. You may have a maximum of 10 employees, including the owner(s).

How to add?
To add an employee or independent contractor to your policy, please sign in to your account profile and choose "Add Employees" and then follow the instructions.

What is the difference between an employee and an independent contractor?
From the insurance company's standpoint, the coverage is exactly the same for an employee and an independent contractor and it doesn't matter how they are listed on the certificate of membership. The differences between an employee and an independent contractor are mostly tax driven. An employee will have his or her taxes withheld by the employer and receive a W2 at tax time while an independent contractor will not have his or her taxes withheld and will receive a 1099 at tax time. Also, the employer and employee each pays half of FICA (Social Security) and an independent contractor would pay 100% of FICA.

What if I use independent contractors?
If you use independent contractors we consider them the same as employees unless they carry their own insurance with EFRCA. If your Independent Contractor does not have insurance, or has insurance through a company other than EFRCA, you need to add him or her to your EFRCA membership for $299. You may have a maximum of 10 employees, including the owner(s).

What does the Accidental Breakage and Mysterious Disappearance include?
The accidental breakage and mysterious disappearance coverage provides $10,000 per occurrence/$25,000 annually for the loss of the personal property of your customer’s property. Coverage is included for breakage and mysterious disappearance of the personal property of your customer.

What about bonds?
The policy includes an Employee Surety Bond and covers employees or independent contractors for up to $10,000 per occurrence /$25,000 annual aggregate for theft of property at your client's home. Coverage only applies if it is a criminal act, but there is no requirement for a criminal conviction.

Additional Coverage Questions:

Is there any coverage for injuries to the cleaning company or damage to the cleaning company’s staff?
No, there is no coverage for the cleaning company’s owners or staff for their property. EFRCA does not cover injuries to the cleaning service business, or their employees and/or independent contractors, as this is something that would be covered by workers compensation insurance not general liability insurance. EFRCA does not cover property damage to the cleaning company's property as general liability policies do not include this coverage. The bodily injury and property damage portions of this policy are for third party injuries and damages only.