/**
 * General Functions
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



/**
 * Get the components of theme mobile header
 */
if( ! function_exists( 'tie_mobile_header_components' ) ) {

	function tie_mobile_header_components( $area ){

		$mobile_header_components = array(

			'menu' => tie_mobile_menu_icon(),

			'search' => '
				<a href="#" class="tie-search-trigger-mobile">
					<span class="tie-icon-search tie-search-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Search for', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',

			'skin' => '
				<a href="#" class="change-skin" title="'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'">
					<span class="tie-icon-moon change-skin-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',
		);

		// Login and user account
		if( is_user_logged_in() ){

			ob_start();
			tie_login_form();
			$login_form = ob_get_clean();

			$current_user = wp_get_current_user();
			$mobile_header_components['login'] = '
				<a href="#" class="profile-btn">'.
					get_avatar( $current_user->ID, apply_filters( 'TieLabs/Login/avatar_size', 30 ) ) .'
					<span class="screen-reader-text">'. esc_html__( 'Your Profile', TIELABS_TEXTDOMAIN ) .'</span>
				</a>

				<div class="components-sub-menu comp-sub-menu components-user-profile">'. $login_form .'</div>
			';
		}
		else {
			$mobile_header_components['login'] = '
				<a href="#" class="lgoin-btn tie-popup-trigger">
					<span class="tie-icon-author" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Log In', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			';
		}

		// WooCommerce Cart
		if ( TIELABS_WOOCOMMERCE_IS_ACTIVE ){
			$mobile_header_components['cart'] = tie_component_button_cart();
		}

		// BuddyPress
		if ( TIELABS_BUDDYPRESS_IS_ACTIVE ){
			$mobile_header_components['bp_notifications'] = tie_component_button_bp_notifications();
		}

		// Check the active components
		$components = array();
		foreach ( $mobile_header_components as $key => $html ) {
			if( tie_get_option( 'mobile_header_components_'.$key ) == $area ){
				$components[ $key ] = '<li class="mobile-component_'.$key .' custom-menu-link">'. $html .'</li>';
			}
		}

		//
		$components = apply_filters( 'TieLabs/Mobile/Header/Components', $components, $area );


		if( ! empty( $components ) ){
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components">';
				echo '<ul class="components">'. join( ' ', $components ) .'</ul>';
			echo '</div>';
		}

		// If Header layout is centered we need to place the div even if it is empty || FLEX
		elseif ( tie_get_option( 'mobile_header' ) == 'centered' ) {
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components"></div>';
		}

		return false;
	}
}


/**
 * Mobile Menu icon
 */
if( ! function_exists( 'tie_mobile_menu_icon' ) ) {

	function tie_mobile_menu_icon(){

		if( ! tie_get_option( 'mobile_header_components_menu' ) ){
			return false;
		}

		$menu_icon = tie_get_option( 'mobile_menu_icon', 1 );

		$class = 'tie-mobile-menu-icon ';

		if( is_numeric( $menu_icon ) ){
			$class .= "nav-icon is-layout-$menu_icon";
		}
		else{
			$class .= "tie-icon-$menu_icon";
		}

		$class_wrapper = tie_get_option( 'mobile_menu_text' ) ? 'menu-text-wrapper' : '';

		$mobile_icon  = '<a href="#" id="mobile-menu-icon" class="'. $class_wrapper .'">';
		$mobile_icon .= '<span class="'. $class .'"></span>';

		if( tie_get_option( 'mobile_menu_text' ) ){
			$mobile_icon .= '<span class="menu-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}
		else{
			$mobile_icon .= '<span class="screen-reader-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}

		$mobile_icon .= '</a>';

		return $mobile_icon;
	}
}


/**
 * Mobile Header Components Main area
 */
if( ! function_exists( 'tie_mobile_header_components_area_1' ) ) {

	add_action( 'TieLabs/Logo/before', 'tie_mobile_header_components_area_1' );
	function tie_mobile_header_components_area_1(){
		tie_mobile_header_components( 'area_1' );
	}
}



/**
 * Mobile Header Components
 */
if( ! function_exists( 'tie_mobile_header_components_area_2' ) ) {

	add_action( 'TieLabs/Logo/after', 'tie_mobile_header_components_area_2' );
	function tie_mobile_header_components_area_2(){
		tie_mobile_header_components( 'area_2' );
	}
}/**
 * Filters
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly


class TIELABS_FILTERS {

	/**
	 * Runs on class initialization. Adds filters and actions.
	 */
	function __construct() {

		// Add Support for Shortcodes in the terms descriptions
		add_filter( 'term_description', 'do_shortcode' );

		add_action( 'init',                  array( $this, 'init_hook' ) );
		add_action( 'init',                  array( $this, 'redirect_random_post' ) );

		add_action( 'wp_head',               array( $this, 'meta_description' ) );
		add_action( 'wp_head',               array( $this, 'meta_generator' ) );
		add_action( 'wp_head',               array( $this, 'x_ua_compatible' ) );

		add_action( 'wp_footer',             array( $this, 'footer_inline_scripts' ), 999 );
		add_action( 'wp_footer',             array( $this, 'footer_misc'  ) );
		add_action( 'wp_footer',             array( $this, 'popup_module' ) );

		add_action( 'comment_class',         array( $this, 'is_avatar_enabled' ) );
		add_filter( 'pre_get_posts',         array( $this, 'search_filters' ) );
		add_filter( 'pre_get_posts',         array( $this, 'category_posts_order' ) );
		add_filter( 'TieLabs/cache_key',     array( $this, 'cache_key' ) );
		add_filter( 'widget_tag_cloud_args', array( $this, 'tag_widget_limit' ) );
		add_filter( 'widget_title',          array( $this, 'tagcloud_widget_title' ), 10, 3 );
		add_filter( 'login_headerurl',       array( $this, 'dashboard_login_logo_url' ) );
		add_filter( 'login_head',            array( $this, 'dashboard_login_logo' ) );
		add_filter( 'get_the_archive_title', array( $this, 'archive_title' ), 15 );
		add_filter( 'wp_link_pages_args',    array( $this, 'pages_next_and_number' ) );
		add_filter( 'excerpt_more',          array( $this, 'excerpt_more' ) );
		add_filter( 'get_the_excerpt',       array( $this, 'post_excerpt' ), 9 );

		add_filter( 'has_post_thumbnail',    array( $this, 'has_post_thumbnail' ) );
		add_filter( 'post_thumbnail_html',   array( $this, 'default_featured_image' ), 10, 5 );

		add_filter( 'TieLabs/exclude_content',            'TIELABS_HELPER::strip_shortcodes' );
		add_filter( 'wp_get_attachment_image_src',        array( $this, 'gif_image' ), 10, 4 );
		add_filter( 'wp_get_attachment_image_attributes', array( $this, 'small_thumb_image_class' ), 10, 3 );

		add_filter( 'TieLabs/Primary_Category/custom', array( $this, 'yoast_seo_primary_category' ) );

		// Translations
		if( tie_get_option( 'translations' ) ){
			add_filter( 'gettext', array( $this, 'theme_translation' ), 10, 3 );
		}

		if( tie_get_option( 'translation_numbers' ) ){
			add_filter( 'get_the_date',                   array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_date',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_time',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'comments_number',                array( $this, 'translate_numbers' ), 55 );
			add_filter( 'wp_list_categories',             array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/number_format',          array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_date',              array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/reading_time',           array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_views_number',      array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Social_Counters/number', array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Weather/number',         array( $this, 'translate_numbers' ), 55 );
		}
	}


	/**
	 * init_hook
	 */
	function init_hook(){

		/*if( current_user_can( 'manage_options' ) ){
			add_filter( 'the_content', array( $this, 'shortcodes_notice' ) );
		}
		*/

		//WordPress doesn't recognize it as RTL language because there is an error in the main translation file of the Sindhi language!
		if( get_locale() == 'snd' && ! is_rtl() ){
			global $wp_locale;
			$wp_locale->text_direction = 'rtl';
		}
	}


	/**
	 * Add notice for the shortcodes plugin
	 */
	function shortcodes_notice( $content ){

		// Don't show the message if this is excerpt OR backend OR AMP
		if(
				is_admin() ||
				( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ) ||
				in_array( 'parse_request',   $GLOBALS['wp_current_filter'] ) ||
				in_array( 'get_the_excerpt', $GLOBALS['wp_current_filter'] ) ){
			return $content;
		}

		$message = '';

		// Timetable and Event Schedule Plugin
		if( ! TIELABS_MPTIMETABLE_IS_ACTIVE ){

			if( strpos( $content, '[mp-timetable' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Timetable and Event Schedule</strong>',
					'<a href="https://wordpress.org/plugins/mp-timetable/" target="_blank" rel="noopener">',
					'</a>'
				), false );
			}
		}

		// Contact Form 7 Plugin
		if( ! class_exists( 'WPCF7' ) ){

			if( strpos( $content, '[contact-form-7' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Contact Form 7</strong>',
					'<a href="https://wordpress.org/plugins/contact-form-7/" target="_blank" rel="noopener">',
					'</a>'
				), false) ;
			}
		}

		// Return the content with message
		return apply_filters( 'TieLabs/shortcodes_check', $message, $content ) . $content;
	}


	/**
	 * x_ua_compatible
	 */
	function x_ua_compatible(){
		echo '<meta http-equiv="X-UA-Compatible" content="IE=edge">';
	}


	/**
	 * meta_escription
	 */
	function meta_description(){

		// Return if the description option is disabled or the Yoast SEO or Rank Math SEO plugins are active
		if( ! tie_get_option( 'post_meta_escription' ) || class_exists( 'WPSEO_Frontend' ) || class_exists( 'RankMath' ) ){
			return;
		}

		// Single Page doesn't have a builder
		if( is_singular() && ! TIELABS_HELPER::has_builder() ){

			$post = get_post();

			if( ! empty( $post->post_content ) ){
				$description = apply_filters( 'TieLabs/exclude_content', $post->post_content );
			}
		}
		// Archives
		elseif( get_the_archive_description() ){
			$description = get_the_archive_description();
		}

		// Default
		if( empty( $description ) ){
			$description = get_bloginfo( 'description' );
		}

		if( ! empty( $description ) ){
			$description = strip_tags( strip_shortcodes( $description ) );
			echo ' <meta name="description" content="'. esc_attr( wp_html_excerpt( $description, 150 ) ) .'" />';
		}
	}


	/**
	 * Theme translations
	 */
	function theme_translation( $translation, $text, $domain ){

		if( $domain == TIELABS_TEXTDOMAIN || $domain == 'amp' ){

			$translations = tie_get_option( 'translations' );

			if( ! empty( $translations ) ){  // To minimize the calls of sanitize_title
				$sanitize_text = sanitize_title( htmlspecialchars( $text ) );

				if( ! empty( $translations[ $sanitize_text ] ) ){
					return htmlspecialchars_decode( $translations[ $sanitize_text ] );
				}
			}
		}

		return $translation;
	}


	/**
	 * Add the inline scripts to the Footer
	 */
	function footer_inline_scripts(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Print the inline scripts if the BWP is active
		if( ! empty( $GLOBALS['tie_inline_scripts'] ) && TIELABS_HELPER::is_js_minified() ){
			echo '<script type="text/javascript">'. $GLOBALS['tie_inline_scripts'] .'</script>';
		}
	}


	/**
	 * Add Misc Footer Conetnt
	 */
	function footer_misc(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Custom Footer Code
		if ( tie_get_option( 'footer_code' ) ){
			echo do_shortcode( apply_filters( 'TieLabs/footer_code', tie_get_option( 'footer_code' ) ) );
		}

		// Reading Position Indicator
		if ( tie_get_option( 'reading_indicator' ) && is_single() && ! tie_get_option( 'autoload_posts' ) ){
			echo '<div id="reading-position-indicator"></div>';
		}

		// Live Search
		if(
			tie_menu_has_search( 'top_nav', true )  ||
			tie_menu_has_search( 'main_nav', true ) ||
		  ( tie_get_option( 'mobile_header_components_search') && tie_get_option( 'mobile_header_live_search') )
		){
			echo '<div id="autocomplete-suggestions" class="autocomplete-suggestions"></div>';
		}

		// Scrollbar - Used to get the default scrollbar width.
		echo '<div id="is-scroller-outer"><div id="is-scroller"></div></div>';

		// Facebook buttons
		echo '<div id="fb-root"></div>';
	}


	/**
	 * Add the Popup module to the footer
	 */
	function popup_module(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		TIELABS_HELPER::get_template_part( 'templates/popup' );
	}


	/**
	 * Add an extra class to the comment item if the avatar is active
	 */
	function is_avatar_enabled( $classes ){

		if( is_array( $classes ) && get_option( 'show_avatars' ) ){
			$classes[] = 'has-avatar';
		}

		return $classes;
	}


	/**
	 * Exclude post types and categories From Search results
	 */
	function search_filters( $query ){

		if( is_admin() || isset( $_GET['post_type'] ) ){
			return $query;
		}

		if( is_search() && $query->is_main_query() ){

			// Exclude Post types from search
			if ( ($exclude_post_types = tie_get_option( 'search_exclude_post_types' )) && is_array( $exclude_post_types ) ){

				$args = array(
					'public' => true,
					'exclude_from_search' => false,
				);

				$post_types = get_post_types( $args );

				foreach ( $exclude_post_types as $post_type ){
					unset( $post_types[ $post_type ] );
				}

				$query->set( 'post_type', $post_types );
			}

			// Exclude specific categoies from search
			if ( tie_get_option( 'search_cats' ) ){
				$query->set( 'cat', tie_get_option( 'search_cats' ) );
			}
		}

		return $query;
	}


	/**
	 * Change the posts order in the category page
	 */
	function category_posts_order( $query ){

		if( ! is_admin() && is_category() && $query->is_main_query() ){

			$current_category = get_queried_object();

			if( ! empty( $current_category->term_id ) ){

				$posts_order = tie_get_category_option( 'posts_order', $current_category->term_id );

				// Posts Order
				if( ! empty( $posts_order ) ){

					if( $posts_order == 'views' && tie_get_option( 'tie_post_views' ) ){ // Most Viewd posts
						$query->set( 'orderby', 'meta_value_num' );
						$query->set( 'meta_key', apply_filters( 'TieLabs/views_meta_field', 'tie_views' ) );
					}
					elseif( $posts_order == 'popular' ){ // Popular Posts by comments
						$query->set( 'orderby', 'comment_count' );
					}
					elseif( $posts_order == 'title' ){
						$query->set( 'orderby', 'title' );
						$query->set( 'order', 'ASC' );
					}
					else{
						$query->set( 'orderby', $posts_order );
					}
				}
			}
		}

		return $query;
	}


	/**
	 * Random Article
	 */
	function redirect_random_post(){

		if( wp_doing_ajax() ){
			return;
		}

		if( isset( $_GET['random-post'] ) && ( tie_get_option( 'top-nav-components_random' ) || tie_get_option( 'main-nav-components_random' ) ) ) {

			$args = array(
				'posts_per_page'      => 1,
				'orderby'             => 'rand',
				'fields'              => 'ids',
				'no_found_rows'       => true,
				'ignore_sticky_posts' => true,
			);

			$random_post = new WP_Query ( $args );

			while ( $random_post->have_posts () ){
				$random_post->the_post();
				wp_redirect( get_permalink() );
				exit;
			}
		}
	}


	/**
	 * Widgets Small Image Class
	 *
	 * By default WordPress uses 2 classes attachment-{size} size-{size}
	 * we need to add a general class doesn't linked with the thumb name
	 */
	function small_thumb_image_class( $attr, $attachment, $size = false ) {

		if( ! empty( $size ) && $size == TIELABS_THEME_SLUG.'-image-small' ){
			$attr['class'] .= ' tie-small-image';
		}

		return $attr;
	}


	/**
	 * Gif images
	 */
	function gif_image( $image, $attachment_id, $size, $icon ){

		if( ! tie_get_option( 'disable_featured_gif' ) ){

			$file_type = ! empty( $image[0] ) ? wp_check_filetype( $image[0] ) : false;

			if( ! empty( $file_type ) && $file_type['ext'] == 'gif' && $size != 'full' ){

				$full_image = wp_get_attachment_image_src( $attachment_id, $size = 'full', $icon );

				// For the avatars we need to keep the original width and height
				if( ! empty( $full_image ) && in_array( 'get_avatar', $GLOBALS['wp_current_filter'] ) ){
					$full_image[1] = $image[1];
					$full_image[2] = $image[2];
				}

				return $full_image;
			}
		}

		return $image;
	}


	/**
	 * Modify Excerpts
	 */
	function post_excerpt( $text = '' ){

		$raw_excerpt = $text;

		if ( '' == $text ){

			//$text = get_the_content( '' ); // Causes issues with the new Posts List Blocks

			$_post = get_post();
			$text = ! empty( $_post->post_content ) ? $_post->post_content : '';
			$text = apply_filters( 'TieLabs/exclude_content', $text );

			/**
			 * If images with class wp-image-{ID} exists in the conetnt, WordPress make a DB request to get andd add the srcset
			 * Since we are in excerpt we don't need that, Great affect on archives pages
			 */
			$text = str_replace( 'wp-image-', 'tie-image', $text );

			$text = strip_shortcodes( $text );
			$text = apply_filters( 'the_content', $text );
			$text = str_replace( ']]>', ']]>', $text );

			$excerpt_length = apply_filters( 'excerpt_length', 55 );
			$excerpt_more   = apply_filters( 'excerpt_more', ' ' . '[&hellip;]' );
			$text           = wp_trim_words( $text, $excerpt_length, $excerpt_more );
		}

		return apply_filters( 'wp_trim_excerpt', $text, $raw_excerpt );
	}


	/**
	 * Global Cache Key
	 */
	function cache_key( $key ){
		return 'tie-cache-'. TIELABS_HELPER::get_locale() . $key;
	}


	/**
	 * Change the number of tags in the cloud tags
	 */
	function tag_widget_limit( $args ){

		if( isset($args['taxonomy']) && $args['taxonomy'] == 'post_tag' ){
			$args['number'] = 18;
		}

		return $args;
	}


	/**
	 * Remove the default Tag CLoud titles if the title field is empty
	 */
	function tagcloud_widget_title( $title = false, $instance = false, $id_base = false ){

		if( $id_base == 'tag_cloud' && empty( $instance['title'] ) ){
			return false;
		}

		return $title;
	}


	/**
	 * Custom Dashboard login URL
	 */
	function dashboard_login_logo_url(){

		if( tie_get_option( 'dashboard_logo_url' ) ){
			return tie_get_option( 'dashboard_logo_url' );
		}
	}


	/**
	 * Custom Dashboard login page logo
	 */
	function dashboard_login_logo(){

		if( tie_get_option( 'dashboard_logo' ) ){
			echo '<style type="text/css"> .login h1 a {  background-image:url('.tie_get_option( 'dashboard_logo' ).')  !important; background-size: contain; width: 320px; height: 85px; } </style>';
		}
	}



	/**
	 * Remove anything that looks like an archive title prefix ("Archive:", "Foo:", "Bar:").
	 */
	function archive_title( $title ){

		if ( is_category() ) {
			return single_cat_title( '', false );
		}
		elseif ( is_tag() ) {
			return single_tag_title( '', false );
		}
		elseif ( is_author() ) {
			return '<span class="vcard">' . get_the_author() . '</span>';
		}
		elseif ( is_post_type_archive() ) {
			return post_type_archive_title( '', false );
		}
		elseif ( is_tax() ) {
			return single_term_title( '', false );
		}

		return $title;
	}


	/**
	 * Add Number and Next / prev multiple post pages
	 */
	function pages_next_and_number( $args ){

		if( $args['next_or_number'] == 'next_and_number' ){

			global $page, $numpages, $multipage, $more;
			$args['next_or_number'] = 'number';
			$prev = '';
			$next = '';

			if ( $multipage && $more ){
				$i = $page - 1;
				if ( $i && $more ){
					$prev .= _wp_link_page($i);
					$prev .= $args['link_before']. $args['previouspagelink'] . $args['link_after'] . '</a>';
				}

				$i = $page + 1;
				if ( $i <= $numpages && $more ){
					$next .= _wp_link_page($i);
					$next .= $args['link_before']. $args['nextpagelink'] . $args['link_after'] . '</a>';
				}
			}

			$args['before'] = $args['before'].$prev;
			$args['after'] = $next.$args['after'];
		}

		return $args;
	}


	/**
	 * Excerpt More
	 */
	function excerpt_more( $more ){
		return ' &hellip;';
	}


	/**
	 * Theme Generator Meta
	 */
	function meta_generator(){

		$active_theme = wp_get_theme();

		if ( is_child_theme() ) {
			$active_theme = wp_get_theme( $active_theme->Template );
		}

		if( ! empty( $active_theme->Name ) ){
			$theme_info = apply_filters( 'TieLabs/theme_meta_generator', $active_theme->Name .' '.  TIELABS_DB_VERSION );
			if( ! empty( $theme_info ) ){
				echo "\n" . "<meta name='generator' content='' />" . "\n";
			}
		}
	}


	/**
	 * If the post doesn't have a Primary Category, use the Primary Category of Yoast if it is available
	 */
	function yoast_seo_primary_category( $category = false ){

		if( class_exists( 'WPSEO_Meta' ) ){

			$wpseo_primary_term = get_post_meta( get_the_id(), WPSEO_Meta::$meta_prefix . 'primary_category', true );

			if( ! empty( $wpseo_primary_term ) ){
				$get_the_category = TIELABS_WP_HELPER::get_term_by( 'id', $wpseo_primary_term, 'category' );

				if ( ! empty( $get_the_category ) && ! is_wp_error( $get_the_category ) ) {
					return $get_the_category;
				}
			}
		}

		return false;
	}


	/**
	 * Always return true, If there is a default featured image
	 */
	function has_post_thumbnail( $has_thumbnail ) {

		if( tie_get_option( 'default_featured_image' ) && tie_get_option( 'default_featured_image_id' ) ){
			$has_thumbnail = true;
		}

		return $has_thumbnail;
	}


	/**
	 * Set a default featured image if it is missing
	 */
	function default_featured_image( $html, $post_id, $post_thumbnail_id, $size, $attr ) {

		// Return if the post has a featured image
		if( ! empty( $html ) ){
			return $html;
		}

		// Check if the default eatured image option is active
		if( ! tie_get_option( 'default_featured_image' ) || ! tie_get_option( 'default_featured_image_id' ) ){
			return $html;
		}

		$default_thumbnail_id = tie_get_option( 'default_featured_image_id' ); // select the default thumb.

		return wp_get_attachment_image( $default_thumbnail_id, $size, false, $attr );
	}


	/**
	 * Translate numbers
	 */
	function translate_numbers( $the_number ) {

		if( ! ( is_admin() && ! wp_doing_ajax() ) ) {

			$translated_numbers = tie_get_option( 'translation_numbers' );

			if( ! empty( $translated_numbers ) && is_array( $translated_numbers ) && count( $translated_numbers ) == 10 ){

				$original_numbers = array( '0', '1', '2', '3', '4', '5', '6', '7', '8', '9' );
				return str_replace( $original_numbers, $translated_numbers, $the_number );
			}
		}

		return $the_number;
	}

}

// Single instance.
$TIELABS_FILTERS = new TIELABS_FILTERS();/**
 * Taqyeem Class
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



if( ! class_exists( 'TIELABS_TAQYEEM' ) ) {

	class TIELABS_TAQYEEM{

		/**
		 * __construct
		 *
		 * Class constructor where we will call our filter and action hooks.
		 */
		function __construct(){

			// Disable if the Taqyeem plugin is not active
			if( ! TIELABS_TAQYEEM_IS_ACTIVE ){
				return;
			}

			// Disable the Custom Styles and Typofraphy options
			add_filter( 'taqyeem_custom_styles', '__return_false' );

			// Disable Updater and Verification
			add_filter( 'Taqyeem/Updater/disable',      '__return_true' );
			add_filter( 'Taqyeem/Verification/disable', '__return_true' );

			// Disable the plugin Rich Snippets
			add_filter( 'tie_taqyeem_rich_snippets', '__return_false' );

			// Remove Shortcodes code and Keep the content
			add_filter( 'taqyeem_exclude_content', 'TIELABS_HELPER::strip_shortcodes' );

			// Dequeue Scripts and Styles
			add_filter( 'wp_enqueue_scripts', array( $this, 'enqueue_scripts' ), 50 );

			// Dequeue Scripts and Styles
			add_filter( 'admin_enqueue_scripts', array( $this, 'admin_enqueue_scripts' ), 50 );

			// Change the reviews head box class
			add_filter( 'taqyeem_reviews_head_classes', array( $this, 'review_head_class' ) );

			// Alter the Queries
			add_filter( 'TieLabs/Query/args', array( $this, 'best_reviews_query' ), 10, 2 );

			// Alter the Related Posts Query
			add_filter( 'TieLabs/related_posts_query', array( $this, 'related_posts_query' ) );

			// Alter the Check Also box Query
			add_filter( 'TieLabs/checkalso_query', array( $this, 'checkalso_query' ) );

			// Default Widgets Posts Thumb Size
			add_filter( 'tie_taqyeem_widget_thumb_size', array( $this, 'reviews_thumb_size' ) );

			// Allow the Rview Rich Snippet on Pages
			add_filter( 'TieLabs/is_page_rich_snippet', array( $this, 'rich_snippet_for_page' ) );

			// Change the Review Rich Snippet
			add_filter( 'TieLabs/rich_snippet_schema', array( $this, 'review_rich_snippet' ) );

			// Add Best Reviews to the post order option menu.
			add_filter( 'TieLabs/Options/Related/post_order_args',   array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Options/Checkalso/post_order_args', array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Builder/Block/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Settings/Category/posts_order',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Slider/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Posts/post_order_args',      array( $this, 'posts_order_args_2' ) );

			// Prevent Taqyeem from displaying the review box in the content block in the builder
			add_action( 'TieLabs/Builder/before', array( $this, 'remove_review_block' ) );

			// Replace the old icon classes with the new classes of Font Awesome 5.0
			add_filter( 'taqyeem_buttons_icon',  array( $this, 'replace_icon_fa5' ) );
		}


		/**
		 * Allow the Rview Rich Snippet on Pages
		 */
		function rich_snippet_for_page(){

			if( tie_get_postdata( 'taq_review_position' ) ){
				return true;
			}
		}


		/**
		 * Change the Review Rich Snippet
		 */
		function review_rich_snippet( $schema ){

			// Check if the Taqyeem Structured Data is active, current post has review and the Taqyeem version is >= 2.3.0
			if( ! taqyeem_get_option( 'structured_data' ) || ! tie_get_postdata( 'taq_review_position' ) || ! function_exists( 'taqyeem_review_get_rich_snippet' ) ){
				return $schema;
			}

			// Unset some data
			unset( $schema['articleBody'] );
			unset( $schema['articleSection'] );

			// Get the Review structure data
			$review_rich_snippet = taqyeem_review_get_rich_snippet();

			if( $review_rich_snippet['@type'] == 'product' ){
				$schema = $review_rich_snippet;
			}
			else{
				// Add the data to the post structure data
				$schema['@type']        = 'review';
				$schema['itemReviewed'] = $review_rich_snippet['itemReviewed'];
				$schema['reviewBody']   = $review_rich_snippet['reviewBody'];
				$schema['reviewRating'] = $review_rich_snippet['reviewRating'];
			}

			// return the modefied data
			return $schema;
		}


		/**
		 * Change the reviews head box class
		 */
		function review_head_class( $class ){
			return tie_get_box_class( $class );
		}


		/**
		 * Alter the query for the best reviews
		 */
		function best_reviews_query( $args, $block ){

			if( ! empty( $block['order'] ) && $block['order'] == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Related Posts Query
		 */
		function related_posts_query( $args ){

			if( tie_get_option( 'related_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Check Also Query
		 */
		function checkalso_query( $args ){

			if( tie_get_option( 'check_also_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args( $args ){

			$args['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args_2( $args ){

			$args['standard']['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Default Widgets Posts Thumb Size
		 */
		function reviews_thumb_size(){
			return TIELABS_THEME_SLUG.'-image-small';
		}


		/**
		 * Prevent Taqyeem from displaying the review box in the content block in the builder
		 */
		function remove_review_block(){
			remove_filter( 'the_content', 'taqyeem_insert_review' );
		}


		/**
		 * Dequeue Scripts and Styles
		 */
		function enqueue_scripts(){

			wp_dequeue_script( 'taqyeem-main' );
			wp_dequeue_style( 'taqyeem-style' );

			wp_enqueue_style( 'taqyeem-styles', TIELABS_TEMPLATE_URL.'/assets/css/plugins/taqyeem'. TIELABS_STYLES::is_minified() .'.css', array(), TIELABS_DB_VERSION, 'all' );

			if( ! is_admin() ){
				wp_dequeue_style( 'taqyeem-fontawesome' );
			}
		}


		/**
		 * Dequeue Scripts and Styles from admin
		 */
		function admin_enqueue_scripts(){

			// Don't Load the main Font Awesome file of the theme in the add/edit posts screens, avoid issue with Taqyeem Button which uses v4.0
			if( function_exists( 'tie_taqyeem_button_output' ) && get_post_type() ){

				wp_dequeue_style( 'tie-fontawesome' );
			}
		}


		/**
		 * Replace the old icon classes with the new classes of Font Awesome 5.0
		 */
		function replace_icon_fa5( $icon ){
			return tie_fa4_to_fa5_value_migration( $icon );
		}


	}


	// Instantiate the class
	new TIELABS_TAQYEEM();
}<!DOCTYPE html>
<html lang="en-US" class="" data-skin="light">
<head>
</script>
	<script async src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-3887849087500556"
     crossorigin="anonymous"></script>
	<meta charset="UTF-8" />
	<link rel="profile" href="http://gmpg.org/xfn/11" />
			<script type="text/javascript">try{if("undefined"!=typeof localStorage){var tieSkin=localStorage.getItem("tie-skin"),html=document.getElementsByTagName("html")[0].classList,htmlSkin="light";if(html.contains("dark-skin")&&(htmlSkin="dark"),null!=tieSkin&&tieSkin!=htmlSkin){html.add("tie-skin-inverted");var tieSkinInverted=!0}"dark"==tieSkin?html.add("dark-skin"):"light"==tieSkin&&html.remove("dark-skin")}}catch(t){console.log(t)}</script>
		<title>Insurance and Bonding for Cleaning Businesses &#8211; Baghdad Time</title>
<meta name='robots' content='max-image-preview:large' />
	<style>img:is([sizes="auto" i], [sizes^="auto," i]) { contain-intrinsic-size: 3000px 1500px }</style>
	<link rel="alternate" type="application/rss+xml" title="Baghdad Time &raquo; Feed" href="https://baghdadtime.com/feed/" />
<link rel="alternate" type="application/rss+xml" title="Baghdad Time &raquo; Comments Feed" href="https://baghdadtime.com/comments/feed/" />
<link rel="alternate" type="application/rss+xml" title="Baghdad Time &raquo; Insurance and Bonding for Cleaning Businesses Comments Feed" href="https://baghdadtime.com/insurance-and-bonding-for-cleaning-businesses/feed/" />
<script type="text/javascript">
/* <![CDATA[ */
window._wpemojiSettings = {"baseUrl":"https:\/\/s.w.org\/images\/core\/emoji\/15.1.0\/72x72\/","ext":".png","svgUrl":"https:\/\/s.w.org\/images\/core\/emoji\/15.1.0\/svg\/","svgExt":".svg","source":{"concatemoji":"https:\/\/baghdadtime.com\/wp-includes\/js\/wp-emoji-release.min.js?ver=6.8.1"}};
/*! This file is auto-generated */
!function(i,n){var o,s,e;function c(e){try{var t={supportTests:e,timestamp:(new Date).valueOf()};sessionStorage.setItem(o,JSON.stringify(t))}catch(e){}}function p(e,t,n){e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(t,0,0);var t=new Uint32Array(e.getImageData(0,0,e.canvas.width,e.canvas.height).data),r=(e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(n,0,0),new Uint32Array(e.getImageData(0,0,e.canvas.width,e.canvas.height).data));return t.every(function(e,t){return e===r[t]})}function u(e,t,n){switch(t){case"flag":return n(e,"\ud83c\udff3\ufe0f\u200d\u26a7\ufe0f","\ud83c\udff3\ufe0f\u200b\u26a7\ufe0f")?!1:!n(e,"\ud83c\uddfa\ud83c\uddf3","\ud83c\uddfa\u200b\ud83c\uddf3")&&!n(e,"\ud83c\udff4\udb40\udc67\udb40\udc62\udb40\udc65\udb40\udc6e\udb40\udc67\udb40\udc7f","\ud83c\udff4\u200b\udb40\udc67\u200b\udb40\udc62\u200b\udb40\udc65\u200b\udb40\udc6e\u200b\udb40\udc67\u200b\udb40\udc7f");case"emoji":return!n(e,"\ud83d\udc26\u200d\ud83d\udd25","\ud83d\udc26\u200b\ud83d\udd25")}return!1}function f(e,t,n){var r="undefined"!=typeof WorkerGlobalScope&&self instanceof WorkerGlobalScope?new OffscreenCanvas(300,150):i.createElement("canvas"),a=r.getContext("2d",{willReadFrequently:!0}),o=(a.textBaseline="top",a.font="600 32px Arial",{});return e.forEach(function(e){o[e]=t(a,e,n)}),o}function t(e){var t=i.createElement("script");t.src=e,t.defer=!0,i.head.appendChild(t)}"undefined"!=typeof Promise&&(o="wpEmojiSettingsSupports",s=["flag","emoji"],n.supports={everything:!0,everythingExceptFlag:!0},e=new Promise(function(e){i.addEventListener("DOMContentLoaded",e,{once:!0})}),new Promise(function(t){var n=function(){try{var e=JSON.parse(sessionStorage.getItem(o));if("object"==typeof e&&"number"==typeof e.timestamp&&(new Date).valueOf()<e.timestamp+604800&&"object"==typeof e.supportTests)return e.supportTests}catch(e){}return null}();if(!n){if("undefined"!=typeof Worker&&"undefined"!=typeof OffscreenCanvas&&"undefined"!=typeof URL&&URL.createObjectURL&&"undefined"!=typeof Blob)try{var e="postMessage("+f.toString()+"("+[JSON.stringify(s),u.toString(),p.toString()].join(",")+"));",r=new Blob([e],{type:"text/javascript"}),a=new Worker(URL.createObjectURL(r),{name:"wpTestEmojiSupports"});return void(a.onmessage=function(e){c(n=e.data),a.terminate(),t(n)})}catch(e){}c(n=f(s,u,p))}t(n)}).then(function(e){for(var t in e)n.supports[t]=e[t],n.supports.everything=n.supports.everything&&n.supports[t],"flag"!==t&&(n.supports.everythingExceptFlag=n.supports.everythingExceptFlag&&n.supports[t]);n.supports.everythingExceptFlag=n.supports.everythingExceptFlag&&!n.supports.flag,n.DOMReady=!1,n.readyCallback=function(){n.DOMReady=!0}}).then(function(){return e}).then(function(){var e;n.supports.everything||(n.readyCallback(),(e=n.source||{}).concatemoji?t(e.concatemoji):e.wpemoji&&e.twemoji&&(t(e.twemoji),t(e.wpemoji)))}))}((window,document),window._wpemojiSettings);
/* ]]> */
</script>
<style id='wp-emoji-styles-inline-css' type='text/css'>

	img.wp-smiley, img.emoji {
		display: inline !important;
		border: none !important;
		box-shadow: none !important;
		height: 1em !important;
		width: 1em !important;
		margin: 0 0.07em !important;
		vertical-align: -0.1em !important;
		background: none !important;
		padding: 0 !important;
	}
</style>
<link rel='stylesheet' id='wp-block-library-css' href='https://baghdadtime.com/wp-includes/css/dist/block-library/style.min.css?ver=6.8.1' type='text/css' media='all' />
<style id='wp-block-library-theme-inline-css' type='text/css'>
.wp-block-audio :where(figcaption){color:#555;font-size:13px;text-align:center}.is-dark-theme .wp-block-audio :where(figcaption){color:#ffffffa6}.wp-block-audio{margin:0 0 1em}.wp-block-code{border:1px solid #ccc;border-radius:4px;font-family:Menlo,Consolas,monaco,monospace;padding:.8em 1em}.wp-block-embed :where(figcaption){color:#555;font-size:13px;text-align:center}.is-dark-theme .wp-block-embed :where(figcaption){color:#ffffffa6}.wp-block-embed{margin:0 0 1em}.blocks-gallery-caption{color:#555;font-size:13px;text-align:center}.is-dark-theme .blocks-gallery-caption{color:#ffffffa6}:root :where(.wp-block-image figcaption){color:#555;font-size:13px;text-align:center}.is-dark-theme :root :where(.wp-block-image figcaption){color:#ffffffa6}.wp-block-image{margin:0 0 1em}.wp-block-pullquote{border-bottom:4px solid;border-top:4px solid;color:currentColor;margin-bottom:1.75em}.wp-block-pullquote cite,.wp-block-pullquote footer,.wp-block-pullquote__citation{color:currentColor;font-size:.8125em;font-style:normal;text-transform:uppercase}.wp-block-quote{border-left:.25em solid;margin:0 0 1.75em;padding-left:1em}.wp-block-quote cite,.wp-block-quote footer{color:currentColor;font-size:.8125em;font-style:normal;position:relative}.wp-block-quote:where(.has-text-align-right){border-left:none;border-right:.25em solid;padding-left:0;padding-right:1em}.wp-block-quote:where(.has-text-align-center){border:none;padding-left:0}.wp-block-quote.is-large,.wp-block-quote.is-style-large,.wp-block-quote:where(.is-style-plain){border:none}.wp-block-search .wp-block-search__label{font-weight:700}.wp-block-search__button{border:1px solid #ccc;padding:.375em .625em}:where(.wp-block-group.has-background){padding:1.25em 2.375em}.wp-block-separator.has-css-opacity{opacity:.4}.wp-block-separator{border:none;border-bottom:2px solid;margin-left:auto;margin-right:auto}.wp-block-separator.has-alpha-channel-opacity{opacity:1}.wp-block-separator:not(.is-style-wide):not(.is-style-dots){width:100px}.wp-block-separator.has-background:not(.is-style-dots){border-bottom:none;height:1px}.wp-block-separator.has-background:not(.is-style-wide):not(.is-style-dots){height:2px}.wp-block-table{margin:0 0 1em}.wp-block-table td,.wp-block-table th{word-break:normal}.wp-block-table :where(figcaption){color:#555;font-size:13px;text-align:center}.is-dark-theme .wp-block-table :where(figcaption){color:#ffffffa6}.wp-block-video :where(figcaption){color:#555;font-size:13px;text-align:center}.is-dark-theme .wp-block-video :where(figcaption){color:#ffffffa6}.wp-block-video{margin:0 0 1em}:root :where(.wp-block-template-part.has-background){margin-bottom:0;margin-top:0;padding:1.25em 2.375em}
</style>
<style id='classic-theme-styles-inline-css' type='text/css'>
/*! This file is auto-generated */
.wp-block-button__link{color:#fff;background-color:#32373c;border-radius:9999px;box-shadow:none;text-decoration:none;padding:calc(.667em + 2px) calc(1.333em + 2px);font-size:1.125em}.wp-block-file__button{background:#32373c;color:#fff;text-decoration:none}
</style>
<style id='global-styles-inline-css' type='text/css'>
:root{--wp--preset--aspect-ratio--square: 1;--wp--preset--aspect-ratio--4-3: 4/3;--wp--preset--aspect-ratio--3-4: 3/4;--wp--preset--aspect-ratio--3-2: 3/2;--wp--preset--aspect-ratio--2-3: 2/3;--wp--preset--aspect-ratio--16-9: 16/9;--wp--preset--aspect-ratio--9-16: 9/16;--wp--preset--color--black: #000000;--wp--preset--color--cyan-bluish-gray: #abb8c3;--wp--preset--color--white: #ffffff;--wp--preset--color--pale-pink: #f78da7;--wp--preset--color--vivid-red: #cf2e2e;--wp--preset--color--luminous-vivid-orange: #ff6900;--wp--preset--color--luminous-vivid-amber: #fcb900;--wp--preset--color--light-green-cyan: #7bdcb5;--wp--preset--color--vivid-green-cyan: #00d084;--wp--preset--color--pale-cyan-blue: #8ed1fc;--wp--preset--color--vivid-cyan-blue: #0693e3;--wp--preset--color--vivid-purple: #9b51e0;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple: linear-gradient(135deg,rgba(6,147,227,1) 0%,rgb(155,81,224) 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan: linear-gradient(135deg,rgb(122,220,180) 0%,rgb(0,208,130) 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange: linear-gradient(135deg,rgba(252,185,0,1) 0%,rgba(255,105,0,1) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red: linear-gradient(135deg,rgba(255,105,0,1) 0%,rgb(207,46,46) 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray: linear-gradient(135deg,rgb(238,238,238) 0%,rgb(169,184,195) 100%);--wp--preset--gradient--cool-to-warm-spectrum: linear-gradient(135deg,rgb(74,234,220) 0%,rgb(151,120,209) 20%,rgb(207,42,186) 40%,rgb(238,44,130) 60%,rgb(251,105,98) 80%,rgb(254,248,76) 100%);--wp--preset--gradient--blush-light-purple: linear-gradient(135deg,rgb(255,206,236) 0%,rgb(152,150,240) 100%);--wp--preset--gradient--blush-bordeaux: linear-gradient(135deg,rgb(254,205,165) 0%,rgb(254,45,45) 50%,rgb(107,0,62) 100%);--wp--preset--gradient--luminous-dusk: linear-gradient(135deg,rgb(255,203,112) 0%,rgb(199,81,192) 50%,rgb(65,88,208) 100%);--wp--preset--gradient--pale-ocean: linear-gradient(135deg,rgb(255,245,203) 0%,rgb(182,227,212) 50%,rgb(51,167,181) 100%);--wp--preset--gradient--electric-grass: linear-gradient(135deg,rgb(202,248,128) 0%,rgb(113,206,126) 100%);--wp--preset--gradient--midnight: linear-gradient(135deg,rgb(2,3,129) 0%,rgb(40,116,252) 100%);--wp--preset--font-size--small: 13px;--wp--preset--font-size--medium: 20px;--wp--preset--font-size--large: 36px;--wp--preset--font-size--x-large: 42px;--wp--preset--spacing--20: 0.44rem;--wp--preset--spacing--30: 0.67rem;--wp--preset--spacing--40: 1rem;--wp--preset--spacing--50: 1.5rem;--wp--preset--spacing--60: 2.25rem;--wp--preset--spacing--70: 3.38rem;--wp--preset--spacing--80: 5.06rem;--wp--preset--shadow--natural: 6px 6px 9px rgba(0, 0, 0, 0.2);--wp--preset--shadow--deep: 12px 12px 50px rgba(0, 0, 0, 0.4);--wp--preset--shadow--sharp: 6px 6px 0px rgba(0, 0, 0, 0.2);--wp--preset--shadow--outlined: 6px 6px 0px -3px rgba(255, 255, 255, 1), 6px 6px rgba(0, 0, 0, 1);--wp--preset--shadow--crisp: 6px 6px 0px rgba(0, 0, 0, 1);}:where(.is-layout-flex){gap: 0.5em;}:where(.is-layout-grid){gap: 0.5em;}body .is-layout-flex{display: flex;}.is-layout-flex{flex-wrap: wrap;align-items: center;}.is-layout-flex > :is(*, div){margin: 0;}body .is-layout-grid{display: grid;}.is-layout-grid > :is(*, div){margin: 0;}:where(.wp-block-columns.is-layout-flex){gap: 2em;}:where(.wp-block-columns.is-layout-grid){gap: 2em;}:where(.wp-block-post-template.is-layout-flex){gap: 1.25em;}:where(.wp-block-post-template.is-layout-grid){gap: 1.25em;}.has-black-color{color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color: var(--wp--preset--color--white) !important;}.has-pale-pink-color{color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color: var(--wp--preset--color--vivid-purple) !important;}.has-black-background-color{background-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color: var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color: var(--wp--preset--color--vivid-purple) !important;}.has-black-border-color{border-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color: var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color: var(--wp--preset--color--vivid-purple) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background: var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background: var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background: var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background: var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background: var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background: var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background: var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background: var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background: var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background: var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size: var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size: var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size: var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size: var(--wp--preset--font-size--x-large) !important;}
:where(.wp-block-post-template.is-layout-flex){gap: 1.25em;}:where(.wp-block-post-template.is-layout-grid){gap: 1.25em;}
:where(.wp-block-columns.is-layout-flex){gap: 2em;}:where(.wp-block-columns.is-layout-grid){gap: 2em;}
:root :where(.wp-block-pullquote){font-size: 1.5em;line-height: 1.6;}
</style>
<link rel='stylesheet' id='tie-css-base-css' href='https://baghdadtime.com/wp-content/themes/jannah/assets/css/base.min.css?ver=5.4.10' type='text/css' media='all' />
<link rel='stylesheet' id='tie-css-styles-css' href='https://baghdadtime.com/wp-content/themes/jannah/assets/css/style.min.css?ver=5.4.10' type='text/css' media='all' />
<link rel='stylesheet' id='tie-css-widgets-css' href='https://baghdadtime.com/wp-content/themes/jannah/assets/css/widgets.min.css?ver=5.4.10' type='text/css' media='all' />
<link rel='stylesheet' id='tie-css-helpers-css' href='https://baghdadtime.com/wp-content/themes/jannah/assets/css/helpers.min.css?ver=5.4.10' type='text/css' media='all' />
<link rel='stylesheet' id='tie-fontawesome5-css' href='https://baghdadtime.com/wp-content/themes/jannah/assets/css/fontawesome.css?ver=5.4.10' type='text/css' media='all' />
<link rel='stylesheet' id='tie-css-ilightbox-css' href='https://baghdadtime.com/wp-content/themes/jannah/assets/ilightbox/dark-skin/skin.css?ver=5.4.10' type='text/css' media='all' />
<link rel='stylesheet' id='tie-css-single-css' href='https://baghdadtime.com/wp-content/themes/jannah/assets/css/single.min.css?ver=5.4.10' type='text/css' media='all' />
<link rel='stylesheet' id='tie-css-print-css' href='https://baghdadtime.com/wp-content/themes/jannah/assets/css/print.css?ver=5.4.10' type='text/css' media='print' />
<style id='tie-css-print-inline-css' type='text/css'>
.wf-active .logo-text,.wf-active h1,.wf-active h2,.wf-active h3,.wf-active h4,.wf-active h5,.wf-active h6,.wf-active .the-subtitle{font-family: 'Poppins';}#main-nav .main-menu > ul > li > a{text-transform: uppercase;}.tie-cat-45,.tie-cat-item-45 > span{background-color:#e67e22 !important;color:#FFFFFF !important;}.tie-cat-45:after{border-top-color:#e67e22 !important;}.tie-cat-45:hover{background-color:#c86004 !important;}.tie-cat-45:hover:after{border-top-color:#c86004 !important;}.tie-cat-46,.tie-cat-item-46 > span{background-color:#2ecc71 !important;color:#FFFFFF !important;}.tie-cat-46:after{border-top-color:#2ecc71 !important;}.tie-cat-46:hover{background-color:#10ae53 !important;}.tie-cat-46:hover:after{border-top-color:#10ae53 !important;}.tie-cat-47,.tie-cat-item-47 > span{background-color:#9b59b6 !important;color:#FFFFFF !important;}.tie-cat-47:after{border-top-color:#9b59b6 !important;}.tie-cat-47:hover{background-color:#7d3b98 !important;}.tie-cat-47:hover:after{border-top-color:#7d3b98 !important;}.tie-cat-48,.tie-cat-item-48 > span{background-color:#34495e !important;color:#FFFFFF !important;}.tie-cat-48:after{border-top-color:#34495e !important;}.tie-cat-48:hover{background-color:#162b40 !important;}.tie-cat-48:hover:after{border-top-color:#162b40 !important;}.tie-cat-49,.tie-cat-item-49 > span{background-color:#795548 !important;color:#FFFFFF !important;}.tie-cat-49:after{border-top-color:#795548 !important;}.tie-cat-49:hover{background-color:#5b372a !important;}.tie-cat-49:hover:after{border-top-color:#5b372a !important;}.tie-cat-50,.tie-cat-item-50 > span{background-color:#4CAF50 !important;color:#FFFFFF !important;}.tie-cat-50:after{border-top-color:#4CAF50 !important;}.tie-cat-50:hover{background-color:#2e9132 !important;}.tie-cat-50:hover:after{border-top-color:#2e9132 !important;}@media (max-width: 991px){.side-aside.dark-skin{background: #2f88d6;background: -webkit-linear-gradient(135deg,#5933a2,#2f88d6 );background: -moz-linear-gradient(135deg,#5933a2,#2f88d6 );background: -o-linear-gradient(135deg,#5933a2,#2f88d6 );background: linear-gradient(135deg,#2f88d6,#5933a2 );}}
</style>
<script type="text/javascript" src="https://baghdadtime.com/wp-includes/js/jquery/jquery.min.js?ver=3.7.1" id="jquery-core-js"></script>
<script type="text/javascript" src="https://baghdadtime.com/wp-includes/js/jquery/jquery-migrate.min.js?ver=3.4.1" id="jquery-migrate-js"></script>
<link rel="https://api.w.org/" href="https://baghdadtime.com/wp-json/" /><link rel="alternate" title="JSON" type="application/json" href="https://baghdadtime.com/wp-json/wp/v2/posts/1779" /><link rel="EditURI" type="application/rsd+xml" title="RSD" href="https://baghdadtime.com/xmlrpc.php?rsd" />
<meta name="generator" content="WordPress 6.8.1" />
<link rel="canonical" href="https://baghdadtime.com/insurance-and-bonding-for-cleaning-businesses/" />
<link rel='shortlink' href='https://baghdadtime.com/?p=1779' />
<link rel="alternate" title="oEmbed (JSON)" type="application/json+oembed" href="https://baghdadtime.com/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fbaghdadtime.com%2Finsurance-and-bonding-for-cleaning-businesses%2F" />
<link rel="alternate" title="oEmbed (XML)" type="text/xml+oembed" href="https://baghdadtime.com/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fbaghdadtime.com%2Finsurance-and-bonding-for-cleaning-businesses%2F&#038;format=xml" />

<meta name="theme-color" content="#0088ff" /><meta name="viewport" content="width=device-width, initial-scale=1.0" /><link rel="icon" href="https://baghdadtime.com/wp-content/uploads/2021/04/cropped-125X125-32x32.png" sizes="32x32" />
<link rel="icon" href="https://baghdadtime.com/wp-content/uploads/2021/04/cropped-125X125-192x192.png" sizes="192x192" />
<link rel="apple-touch-icon" href="https://baghdadtime.com/wp-content/uploads/2021/04/cropped-125X125-180x180.png" />
<meta name="msapplication-TileImage" content="https://baghdadtime.com/wp-content/uploads/2021/04/cropped-125X125-270x270.png" />
</head>

<body id="tie-body" class="wp-singular post-template-default single single-post postid-1779 single-format-standard wp-theme-jannah wrapper-has-shadow block-head-1 magazine1 is-thumb-overlay-disabled is-desktop is-header-layout-3 has-header-ad sidebar-right has-sidebar post-layout-1 narrow-title-narrow-media has-mobile-share hide_share_post_top hide_share_post_bottom hide_post_authorbio">



<div class="background-overlay">

	<div id="tie-container" class="site tie-container">

		
		<div id="tie-wrapper">

			
<header id="theme-header" class="theme-header header-layout-3 main-nav-dark main-nav-default-dark main-nav-below main-nav-boxed has-stream-item top-nav-active top-nav-light top-nav-default-light top-nav-above has-shadow has-normal-width-logo has-custom-sticky-logo mobile-header-default">
	
<nav id="top-nav"  class="has-date-breaking-components top-nav header-nav has-breaking-news" aria-label="Secondary Navigation">
	<div class="container">
		<div class="topbar-wrapper">

			
					<div class="topbar-today-date tie-icon">
						Monday, July 7 2025					</div>
					
			<div class="tie-alignleft">
				/**
 * Breaking News
 *
 * This template can be overridden by copying it to your-child-theme/templates/breaking-news.php.
 *
 * HOWEVER, on occasion TieLabs will need to update template files and you
 * will need to copy the new files to your child theme to maintain compatibility.
 *
 * @author   TieLabs
 * @version  4.0.4
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly


// Check if the breaking news is hidden on mobiles
if( $type == 'header' && TIELABS_HELPER::is_mobile_and_hidden( 'breaking_news' ) ){
	return;
}

// Cache field key
$cache_key = apply_filters( 'TieLabs/cache_key', '' );

// Classes and attr.
$breaking_attr  = array();
$breaking_class = array( 'breaking' );


// Effect type.
$breaking_effect = ! empty( $breaking_effect ) ? $breaking_effect : 'flipY';

$breaking_attr[] = 'data-type="'. $breaking_effect .'"';

if( $breaking_effect == 'slideUp' || $breaking_effect == 'slideDown' ){
	$breaking_class[] = 'up-down-controls';
}


// Breaking News arrows.
if( ! empty( $breaking_arrows ) ){
	$breaking_attr[]  = 'data-arrows="true"';
	$breaking_class[] = 'controls-is-active';
}

if( ! empty( $breaking_speed ) ){
	$breaking_attr[]  = 'data-speed="'. $breaking_speed .'"';
}

$breaking_class = join( ' ', array_filter( apply_filters( 'TieLabs/Breaking_news/class', $breaking_class ) ) );
$breaking_attr  = join( ' ', array_filter( apply_filters( 'TieLabs/Breaking_news/attr',  $breaking_attr  ) ) );


// Enqueue the breaking news Js files
if( $breaking_effect == 'slideRight' || $breaking_effect == 'slideLeft' || $breaking_effect == 'slideUp' || $breaking_effect == 'slideDown' ){
	wp_enqueue_script( 'tie-js-velocity' );
}

wp_enqueue_script( 'tie-js-breaking' );

?>

<div class="">

	<span class="breaking-title">
		<span class="tie-icon-bolt breaking-icon" aria-hidden="true"></span>
		<span class="breaking-title-text">Breaking News</span>
	</span>

	<ul id="breaking-news-in-header" class="breaking-news" >

		
							<li class="news-item">
								<a href="https://baghdadtime.com/ruby-token-the-next-big-opportunity-for-50x-returns-on-pinksale/">RUBY TOKEN: The Next Big Opportunity for 50X Returns on PinkSale</a>
							</li>

							
							<li class="news-item">
								<a href="https://baghdadtime.com/how-much-does-paramount-plus-cost/">How Much Does Paramount Plus Cost?</a>
							</li>

							
							<li class="news-item">
								<a href="https://baghdadtime.com/how-to-find-the-best-umbrella-insurance/">How to Find the Best Umbrella Insurance</a>
							</li>

							
							<li class="news-item">
								<a href="https://baghdadtime.com/what-is-a-mortgage-broker-4-questions-to-ask-before-using-one/">What Is a Mortgage Broker? 4 Questions to Ask Before Using One</a>
							</li>

							
							<li class="news-item">
								<a href="https://baghdadtime.com/what-is-a-disability-income-rider-in-life-insurance/">What Is a Disability Income Rider in Life Insurance?</a>
							</li>

							
							<li class="news-item">
								<a href="https://baghdadtime.com/how-to-join-a-credit-union-in-5-steps/">How to Join a Credit Union in 5 Steps</a>
							</li>

							
							<li class="news-item">
								<a href="https://baghdadtime.com/how-children-of-veterans-can-go-to-college-for-free/">How Children of Veterans Can Go to College for Free</a>
							</li>

							
							<li class="news-item">
								<a href="https://baghdadtime.com/what-the-big-realtors-settlement-means-for-home-buyers-and-sellers/">What the Big Realtors Settlement Means for Home Buyers and Sellers</a>
							</li>

							
							<li class="news-item">
								<a href="https://baghdadtime.com/what-is-credit-cycling-and-should-you-do-it/">What Is Credit Cycling, and Should You Do It?</a>
							</li>

							
							<li class="news-item">
								<a href="https://baghdadtime.com/5-things-to-know-about-the-zales-credit-card/">5 Things to Know About the Zales Credit Card</a>
							</li>

							
	</ul>
</div><!-- #breaking /-->			</div><!-- .tie-alignleft /-->

			<div class="tie-alignright">
				<ul class="components">	<li class="side-aside-nav-icon menu-item custom-menu-link">
		<a href="#">
			<span class="tie-icon-navicon" aria-hidden="true"></span>
			<span class="screen-reader-text">Sidebar</span>
		</a>
	</li>
		<li class="random-post-icon menu-item custom-menu-link">
		<a href="/insurance-and-bonding-for-cleaning-businesses/?random-post=1" class="random-post" title="Random Article" rel="nofollow">
			<span class="tie-icon-random" aria-hidden="true"></span>
			<span class="screen-reader-text">Random Article</span>
		</a>
	</li>
	 <li class="social-icons-item"><a class="social-link instagram-social-icon" rel="external noopener nofollow" target="_blank" href="#"><span class="tie-social-icon tie-icon-instagram"></span><span class="screen-reader-text">Instagram</span></a></li><li class="social-icons-item"><a class="social-link youtube-social-icon" rel="external noopener nofollow" target="_blank" href="#"><span class="tie-social-icon tie-icon-youtube"></span><span class="screen-reader-text">YouTube</span></a></li><li class="social-icons-item"><a class="social-link twitter-social-icon" rel="external noopener nofollow" target="_blank" href="https://twitter.com/NewsFeedHub"><span class="tie-social-icon tie-icon-twitter"></span><span class="screen-reader-text">Twitter</span></a></li><li class="social-icons-item"><a class="social-link facebook-social-icon" rel="external noopener nofollow" target="_blank" href="https://facebook.com/NewsFeedHubCom"><span class="tie-social-icon tie-icon-facebook"></span><span class="screen-reader-text">Facebook</span></a></li> </ul><!-- Components -->			</div><!-- .tie-alignright /-->

		</div><!-- .topbar-wrapper /-->
	</div><!-- .container /-->
</nav><!-- #top-nav /-->

<div class="container header-container">
	<div class="tie-row logo-row">

		
		<div class="logo-wrapper">
			<div class="tie-col-md-4 logo-container clearfix">
				
		<div id="logo" class="image-logo" >

			
			<a title="Baghdad Time" href="https://baghdadtime.com/">
				
				<picture id="tie-logo-default" class="tie-logo-default tie-logo-picture">
					<source class="tie-logo-source-default tie-logo-source" srcset="https://baghdadtime.com/wp-content/uploads/2021/04/Fichier-11.png">
					<img class="tie-logo-img-default tie-logo-img" src="https://baghdadtime.com/wp-content/uploads/2021/04/Fichier-11.png" alt="Baghdad Time" width="313" height="70" style="max-height:70px; width: auto;" />
				</picture>
			
					<picture id="tie-logo-inverted" class="tie-logo-inverted tie-logo-picture">
						<source class="tie-logo-source-inverted tie-logo-source" id="tie-logo-inverted-source" srcset="https://baghdadtime.com/wp-content/uploads/2021/04/Fichier-10.png">
						<img class="tie-logo-img-inverted tie-logo-img" id="tie-logo-inverted-img" src="https://baghdadtime.com/wp-content/uploads/2021/04/Fichier-10.png" alt="Baghdad Time" width="313" height="70" style="max-height:70px; width: auto;" />
					</picture>
							</a>

			
		</div><!-- #logo /-->

					</div><!-- .tie-col /-->
		</div><!-- .logo-wrapper /-->

		<div class="tie-col-md-8 stream-item stream-item-top-wrapper"><div class="stream-item-top"><script async src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-3887849087500556"
     crossorigin="anonymous"></script>
<!-- 1 -->
<ins class="adsbygoogle"
     style="display:block"
     data-ad-client="ca-pub-3887849087500556"
     data-ad-slot="7268318294"
     data-ad-format="auto"
     data-full-width-responsive="true"></ins>
<script>
     (adsbygoogle = window.adsbygoogle || []).push({});
</script></div></div><!-- .tie-col /-->
	</div><!-- .tie-row /-->
</div><!-- .container /-->

<div class="main-nav-wrapper">
	<nav id="main-nav" data-skin="search-in-main-nav" class="main-nav header-nav live-search-parent"  aria-label="Primary Navigation">
		<div class="container">

			<div class="main-menu-wrapper">

				
				<div id="menu-components-wrap">

					
		<div id="sticky-logo" class="image-logo">

			
			<a title="Baghdad Time" href="https://baghdadtime.com/">
				
				<picture class="tie-logo-default tie-logo-picture">
					<source class="tie-logo-source-default tie-logo-source" srcset="https://baghdadtime.com/wp-content/uploads/2021/04/Fichier-10.png 2x, https://baghdadtime.com/wp-content/uploads/2021/04/Fichier-11-1.png 1x">
					<img class="tie-logo-img-default tie-logo-img" src="https://baghdadtime.com/wp-content/uploads/2021/04/Fichier-11-1.png" alt="Baghdad Time" style="max-height:49px; width: auto;" />
				</picture>
						</a>

			
		</div><!-- #Sticky-logo /-->

		<div class="flex-placeholder"></div>
		
					<div class="main-menu main-menu-wrap tie-alignleft">
						<div id="main-nav-menu" class="main-menu header-menu"><ul id="menu-main-menu" class="menu" role="menubar"><li id="menu-item-1457" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-1457"><a href="https://baghdadtime.com/">Home</a></li>
<li id="menu-item-1445" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-1445"><a href="https://baghdadtime.com/category/finance/cryptocurrency/">Cryptocurrency</a></li>
<li id="menu-item-1446" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-1446"><a href="https://baghdadtime.com/category/finance/economy/">Economy</a></li>
<li id="menu-item-1447" class="menu-item menu-item-type-taxonomy menu-item-object-category current-post-ancestor current-menu-parent current-post-parent menu-item-1447 tie-current-menu"><a href="https://baghdadtime.com/category/finance/">Finance</a></li>
<li id="menu-item-1448" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-1448"><a href="https://baghdadtime.com/category/business/">Business</a></li>
<li id="menu-item-1449" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-1449"><a href="https://baghdadtime.com/category/business/successstores/">Success Stories</a></li>
</ul></div>					</div><!-- .main-menu.tie-alignleft /-->

					<ul class="components">		<li class="search-bar menu-item custom-menu-link" aria-label="Search">
			<form method="get" id="search" action="https://baghdadtime.com/">
				<input id="search-input" class="is-ajax-search"  inputmode="search" type="text" name="s" title="Search for" placeholder="Search for" />
				<button id="search-submit" type="submit">
					<span class="tie-icon-search tie-search-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">Search for</span>
				</button>
			</form>
		</li>
			<li class="skin-icon menu-item custom-menu-link">
		<a href="#" class="change-skin" title="Switch skin">
			<span class="tie-icon-moon change-skin-icon" aria-hidden="true"></span>
			<span class="screen-reader-text">Switch skin</span>
		</a>
	</li>
	</ul><!-- Components -->
				</div><!-- #menu-components-wrap /-->
			</div><!-- .main-menu-wrapper /-->
		</div><!-- .container /-->
	</nav><!-- #main-nav /-->
</div><!-- .main-nav-wrapper /-->

</header>

		<script type="text/javascript">
			try{if("undefined"!=typeof localStorage){var header,mnIsDark=!1,tnIsDark=!1;(header=document.getElementById("theme-header"))&&((header=header.classList).contains("main-nav-default-dark")&&(mnIsDark=!0),header.contains("top-nav-default-dark")&&(tnIsDark=!0),"dark"==tieSkin?(header.add("main-nav-dark","top-nav-dark"),header.remove("main-nav-light","top-nav-light")):"light"==tieSkin&&(mnIsDark||(header.remove("main-nav-dark"),header.add("main-nav-light")),tnIsDark||(header.remove("top-nav-dark"),header.add("top-nav-light"))))}}catch(a){console.log(a)}
		</script>
		<div id="content" class="site-content container"><div id="main-content-row" class="tie-row main-content-row">
/**
 * The template part for displaying the post contents
 *
 * This template can be overridden by copying it to your-child-theme/templates/single-post/content.php.
 *
 * HOWEVER, on occasion TieLabs will need to update template files and you
 * will need to copy the new files to your child theme to maintain compatibility.
 *
 * @author   TieLabs
 * @version  2.1.0
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly

?>

<div class="main-content tie-col-md-8 tie-col-xs-12" role="main">

	
	<article id="the-post" class="container-wrapper post-content">

		/**
 * Post Head Area
 *
 * This template can be overridden by copying it to your-child-theme/templates/single-post/head.php.
 *
 * HOWEVER, on occasion TieLabs will need to update template files and you
 * will need to copy the new files to your child theme to maintain compatibility.
 *
 * @author   TieLabs
 * @version  5.0.0
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly


/**
 * TieLabs/before_post_head hook.
 *
 */
do_action( 'TieLabs/before_post_head' ); ?>

<header class="entry-header-outer">

	<nav id="breadcrumb"><a href="https://baghdadtime.com/"><span class="tie-icon-home" aria-hidden="true"></span> Home</a><em class="delimiter">/</em><a href="https://baghdadtime.com/category/finance/">Finance</a><em class="delimiter">/</em><span class="current">Insurance and Bonding for Cleaning Businesses</span></nav><script type="application/ld+json">{"@context":"http:\/\/schema.org","@type":"BreadcrumbList","@id":"#Breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"item":{"name":"Home","@id":"https:\/\/baghdadtime.com\/"}},{"@type":"ListItem","position":2,"item":{"name":"Finance","@id":"https:\/\/baghdadtime.com\/category\/finance\/"}}]}</script>
	<div class="entry-header">

		<span class="post-cat-wrap"><a class="post-cat tie-cat-27" href="https://baghdadtime.com/category/finance/">Finance</a></span>
		<h1 class="post-title entry-title">Insurance and Bonding for Cleaning Businesses</h1>

		<div id="single-post-meta" class="post-meta clearfix"><span class="date meta-item tie-icon">September 9, 2021</span><div class="tie-alignright"><span class="meta-comment tie-icon meta-item fa-before">0</span><span class="meta-views meta-item "><span class="tie-icon-fire" aria-hidden="true"></span> 3 </span><span class="meta-reading-time meta-item"><span class="tie-icon-bookmark" aria-hidden="true"></span> 4 minutes read</span> </div></div><!-- .post-meta -->	</div><!-- .entry-header /-->

	
	
</header><!-- .entry-header-outer /-->


		<div id="share-buttons-top" class="share-buttons share-buttons-top">
			<div class="share-links  icons-only">
				
				<a href="https://www.facebook.com/sharer.php?u=https://baghdadtime.com/?p=1779" rel="external noopener nofollow" title="Facebook" target="_blank" class="facebook-share-btn " data-raw="https://www.facebook.com/sharer.php?u={post_link}">
					<span class="share-btn-icon tie-icon-facebook"></span> <span class="screen-reader-text">Facebook</span>
				</a>
				<a href="https://twitter.com/intent/tweet?text=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses&#038;url=https://baghdadtime.com/?p=1779&#038;via=NewsFeedHub" rel="external noopener nofollow" title="Twitter" target="_blank" class="twitter-share-btn " data-raw="https://twitter.com/intent/tweet?text={post_title}&amp;url={post_link}&amp;via=NewsFeedHub">
					<span class="share-btn-icon tie-icon-twitter"></span> <span class="screen-reader-text">Twitter</span>
				</a>
				<a href="https://www.linkedin.com/shareArticle?mini=true&#038;url=https://baghdadtime.com/insurance-and-bonding-for-cleaning-businesses/&#038;title=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses" rel="external noopener nofollow" title="LinkedIn" target="_blank" class="linkedin-share-btn " data-raw="https://www.linkedin.com/shareArticle?mini=true&amp;url={post_full_link}&amp;title={post_title}">
					<span class="share-btn-icon tie-icon-linkedin"></span> <span class="screen-reader-text">LinkedIn</span>
				</a>
				<a href="https://www.tumblr.com/share/link?url=https://baghdadtime.com/?p=1779&#038;name=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses" rel="external noopener nofollow" title="Tumblr" target="_blank" class="tumblr-share-btn " data-raw="https://www.tumblr.com/share/link?url={post_link}&amp;name={post_title}">
					<span class="share-btn-icon tie-icon-tumblr"></span> <span class="screen-reader-text">Tumblr</span>
				</a>
				<a href="https://pinterest.com/pin/create/button/?url=https://baghdadtime.com/?p=1779&#038;description=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses&#038;media=https://baghdadtime.com/wp-content/uploads/2021/09/GettyImages-1309067449-1440x864.jpg" rel="external noopener nofollow" title="Pinterest" target="_blank" class="pinterest-share-btn " data-raw="https://pinterest.com/pin/create/button/?url={post_link}&amp;description={post_title}&amp;media={post_img}">
					<span class="share-btn-icon tie-icon-pinterest"></span> <span class="screen-reader-text">Pinterest</span>
				</a>
				<a href="https://reddit.com/submit?url=https://baghdadtime.com/?p=1779&#038;title=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses" rel="external noopener nofollow" title="Reddit" target="_blank" class="reddit-share-btn " data-raw="https://reddit.com/submit?url={post_link}&amp;title={post_title}">
					<span class="share-btn-icon tie-icon-reddit"></span> <span class="screen-reader-text">Reddit</span>
				</a>
				<a href="https://vk.com/share.php?url=https://baghdadtime.com/?p=1779" rel="external noopener nofollow" title="VKontakte" target="_blank" class="vk-share-btn " data-raw="https://vk.com/share.php?url={post_link}">
					<span class="share-btn-icon tie-icon-vk"></span> <span class="screen-reader-text">VKontakte</span>
				</a>
				<a href="https://connect.ok.ru/dk?st.cmd=WidgetSharePreview&#038;st.shareUrl=https://baghdadtime.com/?p=1779&#038;description=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses&#038;media=https://baghdadtime.com/wp-content/uploads/2021/09/GettyImages-1309067449-1440x864.jpg" rel="external noopener nofollow" title="Odnoklassniki" target="_blank" class="odnoklassniki-share-btn " data-raw="https://connect.ok.ru/dk?st.cmd=WidgetSharePreview&st.shareUrl={post_link}&amp;description={post_title}&amp;media={post_img}">
					<span class="share-btn-icon tie-icon-odnoklassniki"></span> <span class="screen-reader-text">Odnoklassniki</span>
				</a>
				<a href="https://getpocket.com/save?title=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses&#038;url=https://baghdadtime.com/?p=1779" rel="external noopener nofollow" title="Pocket" target="_blank" class="pocket-share-btn " data-raw="https://getpocket.com/save?title={post_title}&amp;url={post_link}">
					<span class="share-btn-icon tie-icon-get-pocket"></span> <span class="screen-reader-text">Pocket</span>
				</a>			</div><!-- .share-links /-->
		</div><!-- .share-buttons /-->

		<div  class="featured-area"><div class="featured-area-inner"><figure class="single-featured-image"><img width="780" height="470" src="https://baghdadtime.com/wp-content/uploads/2021/09/GettyImages-1309067449-1440x864-780x470.jpg" class="attachment-jannah-image-post size-jannah-image-post wp-post-image" alt="" is_main_img="1" decoding="async" fetchpriority="high" srcset="https://baghdadtime.com/wp-content/uploads/2021/09/GettyImages-1309067449-1440x864-780x470.jpg 780w, https://baghdadtime.com/wp-content/uploads/2021/09/GettyImages-1309067449-1440x864-300x180.jpg 300w" sizes="(max-width: 780px) 100vw, 780px" /></figure></div></div>
		<div class="entry-content entry clearfix">

			<div class="stream-item stream-item-above-post-content"><span class="stream-title">Above Article Content Ad</span><script async src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-3887849087500556"
     crossorigin="anonymous"></script>
<!-- 2 -->
<ins class="adsbygoogle"
     style="display:block"
     data-ad-client="ca-pub-3887849087500556"
     data-ad-slot="7268318294"
     data-ad-format="auto"
     data-full-width-responsive="true"></ins>
<script>
     (adsbygoogle = window.adsbygoogle || []).push({});
</script></div>
			<div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Cleansing companies face dangers distinctive to their business. A employee might knock over a shopper’s worthwhile vase whereas dusting a mantel or by accident spray a caustic cleansing agent into their very own eyes, requiring medical therapy.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Except you’re protected by enterprise insurance coverage, your organization could possibly be answerable for paying these alternative prices or medical bills.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Right here’s what janitorial enterprise homeowners ought to find out about shopping for cleansing enterprise insurance coverage and bonding for his or her corporations.</span></p>
</div>
<div class="_1aefop">
<p><h2 class="_2TEgi3 BzT_fR _2GMChG _3cybUP" data-currency="Text"><span class="_2TEgi3 BzT_fR _2GMChG _3-to_p">What&#8217;s cleansing enterprise insurance coverage?</span></h2>
</p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Enterprise insurance coverage protects your organization and your belongings in opposition to pure disasters, claims of property injury and bodily harm and extra.</span></p>
</div>
<div class="_1aefop">
<p><h2 class="_2TEgi3 BzT_fR _2GMChG _3cybUP" data-currency="Text"><span class="_2TEgi3 BzT_fR _2GMChG _3-to_p">What&#8217;s a janitorial service bond, and do I would like one?</span></h2>
</p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">A </span><span class="_2GMChG _3-to_p">surety or constancy bond</span><span class="_2GMChG _3-to_p"> protects your buyer if an worker commits property theft whereas servicing your shopper’s house. A janitorial service bond, additionally known as a enterprise service bond or an worker dishonesty bond, pays your shopper immediately within the occasion of a theft or property loss, as much as the utmost quantity bought.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">All cleansing companies ought to take into account buying a bond to keep away from having to compensate buyer losses out of pocket.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">As an added bonus, being bonded and insured gives a measure of credibility with potential purchasers who would possibly in any other case be involved about having strangers enter private property.</span></p>
</div>
<div class="_1aefop">
<p><h2 class="_2TEgi3 BzT_fR _2GMChG _3cybUP" data-currency="Text"><span class="_2TEgi3 BzT_fR _2GMChG _3-to_p">What dangers do cleansing corporations face?</span></h2>
</p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Cleansing corporations face sure dangers together with, however not restricted to:</span></p>
</div>
<div class="_1aefop">
<ul data-currency="List" class="_2Z_J0U">
<li class="Gb5VDK _3-H7TC _10r0Qr">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Workers getting harm or sick on the job.</span></p>
</div>
</li>
<li class="Gb5VDK _3-H7TC _10r0Qr">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">By accident breaking or damaging shopper possessions.</span></p>
</div>
</li>
<li class="Gb5VDK _3-H7TC _10r0Qr">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Firm autos getting concerned in site visitors accidents</span></p>
</div>
</li>
<li class="Gb5VDK _3-H7TC _10r0Qr">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Claims of poor service or negligence.</span></p>
</div>
</li>
</ul>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Happily, all of those dangers could be mitigated with the proper insurance coverage coverage. Some insurance coverage suppliers provide personalized insurance coverage packages for cleansing companies, or you&#8217;ll be able to construct your individual. You possibly can usually bundle a number of insurance policies at </span><span class="_2GMChG _3-to_p">a reduced price</span><span class="_2GMChG _3-to_p">.</span></p>
</div>
<div class="_1aefop">
<p><h2 class="_2TEgi3 BzT_fR _2GMChG _3cybUP" data-currency="Text"><span class="_2TEgi3 BzT_fR _2GMChG _3-to_p">Execs and cons of cleansing enterprise insurance coverage and bonding</span></h2>
</p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">There are few, if any, destructive elements of shopping for monetary safety to your cleansing firm. Paying out of pocket for a third-party declare, worker theft or pure catastrophe might wipe out what you are promoting belongings and break your organization’s good identify.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Moreover, </span><span class="_2GMChG _3-to_p">enterprise insurance coverage protection</span><span class="_2GMChG _3-to_p"> is required in lots of states, so your organization might find yourself working illegally if you happen to don’t have an insurance coverage coverage.</span></p>
</div>
<div class="_1aefop">
<p><h2 class="_2TEgi3 BzT_fR _2GMChG _3cybUP" data-currency="Text"><span class="_2TEgi3 BzT_fR _2GMChG _3-to_p">What insurance policies does your cleansing enterprise want?</span></h2>
</p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">The enterprise insurance coverage insurance policies you want are extremely depending on the dimensions of what you are promoting, the areas you serve and what number of employees you utilize.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Listed here are some frequent coverage sorts that defend janitorial service corporations:</span></p>
</div>
<div class="_1aefop">
<div>
<div>
<div>
<div class="_3KeKBs">
<div class="OgOrnE">
<table class="_2MmLe1 _3dz4kj" tabindex="0">
<thead>
<tr class="aw6_ir">
<th class="_3h0fIa" scope="col"/>
<th class="_3h0fIa" scope="col">
<div class="_19vHLw">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Insurance coverage payout goes to:</span></p>
</div>
</div>
</div>
</th>
</tr>
</thead>
<tbody>
<tr class="vX26Nt">
<td class="ubdO3P"/>
<td class="ubdO3P">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Purchasers, distributors and different third events that suffer property injury or bodily harm out of your firm’s staff or possessions.</span></p>
</div>
</div>
</td>
</tr>
<tr class="vX26Nt aw6_ir">
<td class="ubdO3P aw6_ir"/>
<td class="ubdO3P aw6_ir">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Repairs or replacements for what you are promoting constructing, gear and different belongings after a hearth and smoke, sure pure disasters or housebreaking. </span></p>
</div>
</div>
</td>
</tr>
<tr class="vX26Nt">
<td class="ubdO3P"/>
<td class="ubdO3P">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Change worker wages, misplaced income and different payments related to being unable to function what you are promoting for causes lined underneath the coverage, similar to a hearth.</span></p>
</div>
</div>
</td>
</tr>
<tr class="vX26Nt aw6_ir">
<td class="ubdO3P aw6_ir"/>
<td class="ubdO3P aw6_ir">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Medical payments for workers who get injured or get sick whereas on the job. Enterprise homeowners in lots of states are required to have employees&#8217; comp for workers, and a few may want to offer protection for contractors.</span></p>
</div>
</div>
</td>
</tr>
<tr class="vX26Nt">
<td class="ubdO3P"/>
<td class="ubdO3P">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Pay for property repairs or alternative, in addition to medical bills when firm autos are concerned in a highway accident.</span></p>
</div>
</div>
</td>
</tr>
<tr class="vX26Nt aw6_ir">
<td class="ubdO3P aw6_ir"/>
<td class="ubdO3P aw6_ir">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Purchasers who declare they&#8217;ve suffered hurt because of what you are promoting service, recommendation or product. </span></p>
</div>
</div>
</td>
</tr>
<tr class="vX26Nt">
<td class="ubdO3P"/>
<td class="ubdO3P">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Repay purchasers for property loss because of worker theft or negligence.</span></p>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</div>
</div>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">How do I get my cleansing enterprise bonded and insured?</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">You should buy cleansing enterprise insurance coverage and bonding in a couple of other ways:</span></p>
</div>
<div class="_1aefop">
<ul data-currency="List" class="_2Z_J0U">
<li class="Gb5VDK _3-H7TC _10r0Qr">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Immediately from insurance coverage suppliers.</span></p>
</div>
</li>
<li class="Gb5VDK _3-H7TC _10r0Qr">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">By way of an insurance coverage dealer.</span></p>
</div>
</li>
<li class="Gb5VDK _3-H7TC _10r0Qr">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">By way of a web-based insurance coverage market.</span></p>
</div>
</li>
</ul>
</div>
<p><h3 class="_1b9uhc BzT_fR _2tUimO _2GMChG _3cybUP" data-currency="Text"><span class="_1b9uhc BzT_fR _2tUimO _2GMChG _3-to_p">Purchase enterprise insurance coverage immediately from an insurance coverage supplier</span></h3>
</p>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">In case you have a selected insurance coverage supplier in thoughts, you&#8217;ll be able to attain out on to the corporate for a quote. Some insurance coverage corporations permit you to request your estimate over the cellphone or by their web site, relying in your desire.</span></p>
</div>
<div class="_1aefop">
<div>
<div>
<div>
<div class="_3KeKBs">
<div class="OgOrnE">
<table class="_2MmLe1 _3dz4kj" tabindex="0">
<thead>
<tr class="aw6_ir">
<th class="_3h0fIa" scope="col">
<div class="_19vHLw">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">This technique may match if you happen to &#8230;</span></p>
</div>
</div>
</div>
</th>
<th class="_3h0fIa" scope="col">
<div class="_19vHLw">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">This technique might not work if you happen to &#8230;</span></p>
</div>
</div>
</div>
</th>
</tr>
</thead>
<tbody>
<tr class="vX26Nt">
<td class="ubdO3P">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Have an current relationship with the insurance coverage firm.</span></p>
</div>
</div>
</td>
<td class="ubdO3P">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Wish to evaluate insurance policies and protection choices from a number of corporations.</span></p>
</div>
</div>
</td>
</tr>
<tr class="vX26Nt aw6_ir">
<td class="ubdO3P aw6_ir">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Discover a supplier that provides each kind of protection you need.</span></p>
</div>
</div>
</td>
<td class="ubdO3P aw6_ir">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Choose a supplier that doesn&#8217;t provide each coverage kind or bond that you simply want.</span></p>
</div>
</div>
</td>
</tr>
<tr class="vX26Nt">
<td class="ubdO3P"/>
<td class="ubdO3P"/></tr>
</tbody>
</table>
</div>
</div>
</div>
</div>
</div>
</div>
<p><h3 class="_1b9uhc BzT_fR _2tUimO _2GMChG _3cybUP" data-currency="Text"><span class="_1b9uhc BzT_fR _2tUimO _2GMChG _3-to_p">Purchase enterprise insurance coverage by a dealer</span></h3>
</p>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Insurance coverage brokers</span><span class="_2GMChG _3-to_p"> attain out to insurers in your behalf, then accumulate personalized quotes so that you can evaluate.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Brokers earn fee from the insurance coverage corporations they characterize, and are usually not obligated to current absolutely the lowest costs out there to you. Some insurance coverage brokers may cost a payment for his or her providers along with what they earn out of your insurer.</span></p>
</div>
<div class="_1aefop">
<div>
<div>
<div>
<div class="_3KeKBs">
<div class="OgOrnE">
<table class="_2MmLe1 _3dz4kj" tabindex="0">
<thead>
<tr class="aw6_ir">
<th class="_3h0fIa" scope="col">
<div class="_19vHLw">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">This technique may match if you happen to &#8230;</span></p>
</div>
</div>
</div>
</th>
<th class="_3h0fIa" scope="col">
<div class="_19vHLw">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">This technique might not work if you happen to &#8230;</span></p>
</div>
</div>
</div>
</th>
</tr>
</thead>
<tbody>
<tr class="vX26Nt">
<td class="ubdO3P">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Need a number of quotes and protection estimates with out managing the outreach course of your self.</span></p>
</div>
</div>
</td>
<td class="ubdO3P">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Are cautious of extra prices on prime of your insurance coverage premiums.</span></p>
</div>
</div>
</td>
</tr>
<tr class="vX26Nt aw6_ir">
<td class="ubdO3P aw6_ir">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Need a single level of contact all through the insurance coverage analysis course of.</span></p>
</div>
</div>
</td>
<td class="ubdO3P aw6_ir"/></tr>
</tbody>
</table>
</div>
</div>
</div>
</div>
</div>
</div>
<p><h3 class="_1b9uhc BzT_fR _2tUimO _2GMChG _3cybUP" data-currency="Text"><span class="_1b9uhc BzT_fR _2tUimO _2GMChG _3-to_p">Purchase enterprise insurance coverage through a web-based market</span></h3>
</p>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">This selection is nice for enterprise homeowners who wish to do their very own homework.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">On-line marketplaces use a sequence of detailed inquiries to offer you a near-instant estimate from numerous insurer companions.</span></p>
</div>
<div class="_1aefop">
<div>
<div>
<div>
<div class="_3KeKBs">
<div class="OgOrnE">
<table class="_2MmLe1 _3dz4kj" tabindex="0">
<thead>
<tr class="aw6_ir">
<th class="_3h0fIa" scope="col">
<div class="_19vHLw">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">This technique may match if you happen to &#8230;</span></p>
</div>
</div>
</div>
</th>
<th class="_3h0fIa" scope="col">
<div class="_19vHLw">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">This technique might not work if you happen to &#8230;</span></p>
</div>
</div>
</div>
</th>
</tr>
</thead>
<tbody>
<tr class="vX26Nt">
<td class="ubdO3P">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Wish to store your choices with out having to speak to somebody.</span></p>
</div>
</div>
</td>
<td class="ubdO3P">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Need customized insurance coverage choices.</span></p>
</div>
</div>
</td>
</tr>
<tr class="vX26Nt aw6_ir">
<td class="ubdO3P aw6_ir">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Need fast value quotes from completely different insurers.</span></p>
</div>
</div>
</td>
<td class="ubdO3P aw6_ir"/></tr>
</tbody>
</table>
</div>
</div>
</div>
</div>
</div>
</div>
<div class="_1aefop">
<p><h2 class="_2TEgi3 BzT_fR _2GMChG _3cybUP" data-currency="Text"><span class="_2TEgi3 BzT_fR _2GMChG _3-to_p">How a lot does cleansing enterprise insurance coverage value?</span></h2>
</p>
</div>
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Insurance coverage and bond charges for cleansing companies range based mostly on elements similar to the dimensions and scope of an organization. Some insurance coverage suppliers provide cleansing enterprise insurance coverage insurance policies from $45 per thirty days for common legal responsibility protection solely. A janitorial service bond can value as little as $8 per thirty days, relying on the bond quantity you buy.</span></p>
</div>
</div>
<p><a href="https://www.nerdwallet.com/article/small-business/insurance-and-bonding-for-cleaning-businesses">Source link </a></p>

			<div class="post-bottom-meta post-bottom-tags post-tags-modern"><div class="post-bottom-meta-title"><span class="tie-icon-tags" aria-hidden="true"></span> Tags</div><span class="tagcloud"><a href="https://baghdadtime.com/tag/bonding/" rel="tag">Bonding</a> <a href="https://baghdadtime.com/tag/businesses/" rel="tag">Businesses</a> <a href="https://baghdadtime.com/tag/cleaning/" rel="tag">Cleaning</a> <a href="https://baghdadtime.com/tag/insurance/" rel="tag">Insurance</a></span></div>
		</div><!-- .entry-content /-->

				<div id="post-extra-info">
			<div class="theiaStickySidebar">
				<div id="single-post-meta" class="post-meta clearfix"><span class="date meta-item tie-icon">September 9, 2021</span><div class="tie-alignright"><span class="meta-comment tie-icon meta-item fa-before">0</span><span class="meta-views meta-item "><span class="tie-icon-fire" aria-hidden="true"></span> 3 </span><span class="meta-reading-time meta-item"><span class="tie-icon-bookmark" aria-hidden="true"></span> 4 minutes read</span> </div></div><!-- .post-meta -->
		<div id="share-buttons-top" class="share-buttons share-buttons-top">
			<div class="share-links  icons-only">
				
				<a href="https://www.facebook.com/sharer.php?u=https://baghdadtime.com/?p=1779" rel="external noopener nofollow" title="Facebook" target="_blank" class="facebook-share-btn " data-raw="https://www.facebook.com/sharer.php?u={post_link}">
					<span class="share-btn-icon tie-icon-facebook"></span> <span class="screen-reader-text">Facebook</span>
				</a>
				<a href="https://twitter.com/intent/tweet?text=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses&#038;url=https://baghdadtime.com/?p=1779&#038;via=NewsFeedHub" rel="external noopener nofollow" title="Twitter" target="_blank" class="twitter-share-btn " data-raw="https://twitter.com/intent/tweet?text={post_title}&amp;url={post_link}&amp;via=NewsFeedHub">
					<span class="share-btn-icon tie-icon-twitter"></span> <span class="screen-reader-text">Twitter</span>
				</a>
				<a href="https://www.linkedin.com/shareArticle?mini=true&#038;url=https://baghdadtime.com/insurance-and-bonding-for-cleaning-businesses/&#038;title=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses" rel="external noopener nofollow" title="LinkedIn" target="_blank" class="linkedin-share-btn " data-raw="https://www.linkedin.com/shareArticle?mini=true&amp;url={post_full_link}&amp;title={post_title}">
					<span class="share-btn-icon tie-icon-linkedin"></span> <span class="screen-reader-text">LinkedIn</span>
				</a>
				<a href="https://www.tumblr.com/share/link?url=https://baghdadtime.com/?p=1779&#038;name=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses" rel="external noopener nofollow" title="Tumblr" target="_blank" class="tumblr-share-btn " data-raw="https://www.tumblr.com/share/link?url={post_link}&amp;name={post_title}">
					<span class="share-btn-icon tie-icon-tumblr"></span> <span class="screen-reader-text">Tumblr</span>
				</a>
				<a href="https://pinterest.com/pin/create/button/?url=https://baghdadtime.com/?p=1779&#038;description=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses&#038;media=https://baghdadtime.com/wp-content/uploads/2021/09/GettyImages-1309067449-1440x864.jpg" rel="external noopener nofollow" title="Pinterest" target="_blank" class="pinterest-share-btn " data-raw="https://pinterest.com/pin/create/button/?url={post_link}&amp;description={post_title}&amp;media={post_img}">
					<span class="share-btn-icon tie-icon-pinterest"></span> <span class="screen-reader-text">Pinterest</span>
				</a>
				<a href="https://reddit.com/submit?url=https://baghdadtime.com/?p=1779&#038;title=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses" rel="external noopener nofollow" title="Reddit" target="_blank" class="reddit-share-btn " data-raw="https://reddit.com/submit?url={post_link}&amp;title={post_title}">
					<span class="share-btn-icon tie-icon-reddit"></span> <span class="screen-reader-text">Reddit</span>
				</a>
				<a href="https://vk.com/share.php?url=https://baghdadtime.com/?p=1779" rel="external noopener nofollow" title="VKontakte" target="_blank" class="vk-share-btn " data-raw="https://vk.com/share.php?url={post_link}">
					<span class="share-btn-icon tie-icon-vk"></span> <span class="screen-reader-text">VKontakte</span>
				</a>
				<a href="https://connect.ok.ru/dk?st.cmd=WidgetSharePreview&#038;st.shareUrl=https://baghdadtime.com/?p=1779&#038;description=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses&#038;media=https://baghdadtime.com/wp-content/uploads/2021/09/GettyImages-1309067449-1440x864.jpg" rel="external noopener nofollow" title="Odnoklassniki" target="_blank" class="odnoklassniki-share-btn " data-raw="https://connect.ok.ru/dk?st.cmd=WidgetSharePreview&st.shareUrl={post_link}&amp;description={post_title}&amp;media={post_img}">
					<span class="share-btn-icon tie-icon-odnoklassniki"></span> <span class="screen-reader-text">Odnoklassniki</span>
				</a>
				<a href="https://getpocket.com/save?title=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses&#038;url=https://baghdadtime.com/?p=1779" rel="external noopener nofollow" title="Pocket" target="_blank" class="pocket-share-btn " data-raw="https://getpocket.com/save?title={post_title}&amp;url={post_link}">
					<span class="share-btn-icon tie-icon-get-pocket"></span> <span class="screen-reader-text">Pocket</span>
				</a>			</div><!-- .share-links /-->
		</div><!-- .share-buttons /-->

					</div>
		</div>

		<div class="clearfix"></div>
		<script id="tie-schema-json" type="application/ld+json">{"@context":"http:\/\/schema.org","@type":"Article","dateCreated":"2021-09-09T00:21:11+00:00","datePublished":"2021-09-09T00:21:11+00:00","dateModified":"2021-09-09T00:21:12+00:00","headline":"Insurance and Bonding for Cleaning Businesses","name":"Insurance and Bonding for Cleaning Businesses","keywords":"Bonding,Businesses,Cleaning,Insurance","url":"https:\/\/baghdadtime.com\/insurance-and-bonding-for-cleaning-businesses\/","description":"Cleansing companies face dangers distinctive to their business. A employee might knock over a shopper\u2019s worthwhile vase whereas dusting a mantel or by accident spray a caustic cleansing agent into the","copyrightYear":"2021","articleSection":"Finance","articleBody":"Cleansing companies face dangers distinctive to their business. A employee might knock over a shopper\u2019s worthwhile vase whereas dusting a mantel or by accident spray a caustic cleansing agent into their very own eyes, requiring medical therapy.Except you\u2019re protected by enterprise insurance coverage, your organization could possibly be answerable for paying these alternative prices or medical bills.Right here\u2019s what janitorial enterprise homeowners ought to find out about shopping for cleansing enterprise insurance coverage and bonding for his or her corporations.What's cleansing enterprise insurance coverage?Enterprise insurance coverage protects your organization and your belongings in opposition to pure disasters, claims of property injury and bodily harm and extra.What's a janitorial service bond, and do I would like one?A surety or constancy bond protects your buyer if an worker commits property theft whereas servicing your shopper\u2019s house. A janitorial service bond, additionally known as a enterprise service bond or an worker dishonesty bond, pays your shopper immediately within the occasion of a theft or property loss, as much as the utmost quantity bought.All cleansing companies ought to take into account buying a bond to keep away from having to compensate buyer losses out of pocket.As an added bonus, being bonded and insured gives a measure of credibility with potential purchasers who would possibly in any other case be involved about having strangers enter private property.What dangers do cleansing corporations face?Cleansing corporations face sure dangers together with, however not restricted to:Workers getting harm or sick on the job.By accident breaking or damaging shopper possessions.Firm autos getting concerned in site visitors accidentsClaims of poor service or negligence.Happily, all of those dangers could be mitigated with the proper insurance coverage coverage. Some insurance coverage suppliers provide personalized insurance coverage packages for cleansing companies, or you'll be able to construct your individual. You possibly can usually bundle a number of insurance policies at a reduced price.Execs and cons of cleansing enterprise insurance coverage and bondingThere are few, if any, destructive elements of shopping for monetary safety to your cleansing firm. Paying out of pocket for a third-party declare, worker theft or pure catastrophe might wipe out what you are promoting belongings and break your organization\u2019s good identify.Moreover, enterprise insurance coverage protection is required in lots of states, so your organization might find yourself working illegally if you happen to don\u2019t have an insurance coverage coverage.What insurance policies does your cleansing enterprise want?The enterprise insurance coverage insurance policies you want are extremely depending on the dimensions of what you are promoting, the areas you serve and what number of employees you utilize.Listed here are some frequent coverage sorts that defend janitorial service corporations:Insurance coverage payout goes to:Purchasers, distributors and different third events that suffer property injury or bodily harm out of your firm\u2019s staff or possessions.Repairs or replacements for what you are promoting constructing, gear and different belongings after a hearth and smoke, sure pure disasters or housebreaking.\u00a0Change worker wages, misplaced income and different payments related to being unable to function what you are promoting for causes lined underneath the coverage, similar to a hearth.Medical payments for workers who get injured or get sick whereas on the job. Enterprise homeowners in lots of states are required to have employees' comp for workers, and a few may want to offer protection for contractors.Pay for property repairs or alternative, in addition to medical bills when firm autos are concerned in a highway accident.Purchasers who declare they've suffered hurt because of what you are promoting service, recommendation or product.\u00a0Repay purchasers for property loss because of worker theft or negligence.How do I get my cleansing enterprise bonded and insured?You should buy cleansing enterprise insurance coverage and bonding in a couple of other ways:Immediately from insurance coverage suppliers.By way of an insurance coverage dealer.By way of a web-based insurance coverage market.Purchase enterprise insurance coverage immediately from an insurance coverage supplierIn case you have a selected insurance coverage supplier in thoughts, you'll be able to attain out on to the corporate for a quote. Some insurance coverage corporations permit you to request your estimate over the cellphone or by their web site, relying in your desire.This technique may match if you happen to ...This technique might not work if you happen to ...Have an current relationship with the insurance coverage firm.Wish to evaluate insurance policies and protection choices from a number of corporations.Discover a supplier that provides each kind of protection you need.Choose a supplier that doesn't provide each coverage kind or bond that you simply want.Purchase enterprise insurance coverage by a dealerInsurance coverage brokers attain out to insurers in your behalf, then accumulate personalized quotes so that you can evaluate.Brokers earn fee from the insurance coverage corporations they characterize, and are usually not obligated to current absolutely the lowest costs out there to you. Some insurance coverage brokers may cost a payment for his or her providers along with what they earn out of your insurer.This technique may match if you happen to ...This technique might not work if you happen to ...Need a number of quotes and protection estimates with out managing the outreach course of your self.Are cautious of extra prices on prime of your insurance coverage premiums.Need a single level of contact all through the insurance coverage analysis course of.Purchase enterprise insurance coverage through a web-based marketThis selection is nice for enterprise homeowners who wish to do their very own homework.On-line marketplaces use a sequence of detailed inquiries to offer you a near-instant estimate from numerous insurer companions.This technique may match if you happen to ...This technique might not work if you happen to ...Wish to store your choices with out having to speak to somebody.Need customized insurance coverage choices.Need fast value quotes from completely different insurers.How a lot does cleansing enterprise insurance coverage value?Insurance coverage and bond charges for cleansing companies range based mostly on elements similar to the dimensions and scope of an organization. Some insurance coverage suppliers provide cleansing enterprise insurance coverage insurance policies from $45 per thirty days for common legal responsibility protection solely. A janitorial service bond can value as little as $8 per thirty days, relying on the bond quantity you buy.\r\nSource link ","publisher":{"@id":"#Publisher","@type":"Organization","name":"Baghdad Time","logo":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2021\/04\/Fichier-11.png"},"sameAs":["https:\/\/facebook.com\/NewsFeedHubCom","https:\/\/twitter.com\/NewsFeedHub","#","#"]},"sourceOrganization":{"@id":"#Publisher"},"copyrightHolder":{"@id":"#Publisher"},"mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/baghdadtime.com\/insurance-and-bonding-for-cleaning-businesses\/","breadcrumb":{"@id":"#Breadcrumb"}},"author":{"@type":"Person","name":"ghaith","url":"https:\/\/baghdadtime.com\/author\/ghaith\/"},"image":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2021\/09\/GettyImages-1309067449-1440x864.jpg","width":1440,"height":864}}</script>
		<div id="share-buttons-bottom" class="share-buttons share-buttons-bottom">
			<div class="share-links  icons-only">
										<div class="share-title">
							<span class="tie-icon-share" aria-hidden="true"></span>
							<span> Share</span>
						</div>
						
				<a href="https://www.facebook.com/sharer.php?u=https://baghdadtime.com/?p=1779" rel="external noopener nofollow" title="Facebook" target="_blank" class="facebook-share-btn " data-raw="https://www.facebook.com/sharer.php?u={post_link}">
					<span class="share-btn-icon tie-icon-facebook"></span> <span class="screen-reader-text">Facebook</span>
				</a>
				<a href="https://twitter.com/intent/tweet?text=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses&#038;url=https://baghdadtime.com/?p=1779&#038;via=NewsFeedHub" rel="external noopener nofollow" title="Twitter" target="_blank" class="twitter-share-btn " data-raw="https://twitter.com/intent/tweet?text={post_title}&amp;url={post_link}&amp;via=NewsFeedHub">
					<span class="share-btn-icon tie-icon-twitter"></span> <span class="screen-reader-text">Twitter</span>
				</a>
				<a href="https://www.linkedin.com/shareArticle?mini=true&#038;url=https://baghdadtime.com/insurance-and-bonding-for-cleaning-businesses/&#038;title=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses" rel="external noopener nofollow" title="LinkedIn" target="_blank" class="linkedin-share-btn " data-raw="https://www.linkedin.com/shareArticle?mini=true&amp;url={post_full_link}&amp;title={post_title}">
					<span class="share-btn-icon tie-icon-linkedin"></span> <span class="screen-reader-text">LinkedIn</span>
				</a>
				<a href="https://www.tumblr.com/share/link?url=https://baghdadtime.com/?p=1779&#038;name=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses" rel="external noopener nofollow" title="Tumblr" target="_blank" class="tumblr-share-btn " data-raw="https://www.tumblr.com/share/link?url={post_link}&amp;name={post_title}">
					<span class="share-btn-icon tie-icon-tumblr"></span> <span class="screen-reader-text">Tumblr</span>
				</a>
				<a href="https://pinterest.com/pin/create/button/?url=https://baghdadtime.com/?p=1779&#038;description=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses&#038;media=https://baghdadtime.com/wp-content/uploads/2021/09/GettyImages-1309067449-1440x864.jpg" rel="external noopener nofollow" title="Pinterest" target="_blank" class="pinterest-share-btn " data-raw="https://pinterest.com/pin/create/button/?url={post_link}&amp;description={post_title}&amp;media={post_img}">
					<span class="share-btn-icon tie-icon-pinterest"></span> <span class="screen-reader-text">Pinterest</span>
				</a>
				<a href="https://reddit.com/submit?url=https://baghdadtime.com/?p=1779&#038;title=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses" rel="external noopener nofollow" title="Reddit" target="_blank" class="reddit-share-btn " data-raw="https://reddit.com/submit?url={post_link}&amp;title={post_title}">
					<span class="share-btn-icon tie-icon-reddit"></span> <span class="screen-reader-text">Reddit</span>
				</a>
				<a href="https://vk.com/share.php?url=https://baghdadtime.com/?p=1779" rel="external noopener nofollow" title="VKontakte" target="_blank" class="vk-share-btn " data-raw="https://vk.com/share.php?url={post_link}">
					<span class="share-btn-icon tie-icon-vk"></span> <span class="screen-reader-text">VKontakte</span>
				</a>
				<a href="https://connect.ok.ru/dk?st.cmd=WidgetSharePreview&#038;st.shareUrl=https://baghdadtime.com/?p=1779&#038;description=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses&#038;media=https://baghdadtime.com/wp-content/uploads/2021/09/GettyImages-1309067449-1440x864.jpg" rel="external noopener nofollow" title="Odnoklassniki" target="_blank" class="odnoklassniki-share-btn " data-raw="https://connect.ok.ru/dk?st.cmd=WidgetSharePreview&st.shareUrl={post_link}&amp;description={post_title}&amp;media={post_img}">
					<span class="share-btn-icon tie-icon-odnoklassniki"></span> <span class="screen-reader-text">Odnoklassniki</span>
				</a>
				<a href="https://getpocket.com/save?title=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses&#038;url=https://baghdadtime.com/?p=1779" rel="external noopener nofollow" title="Pocket" target="_blank" class="pocket-share-btn " data-raw="https://getpocket.com/save?title={post_title}&amp;url={post_link}">
					<span class="share-btn-icon tie-icon-get-pocket"></span> <span class="screen-reader-text">Pocket</span>
				</a>
				<a href="mailto:?subject=Insurance%20and%20Bonding%20for%20Cleaning%20Businesses&#038;body=https://baghdadtime.com/?p=1779" rel="external noopener nofollow" title="Share via Email" target="_blank" class="email-share-btn " data-raw="mailto:?subject={post_title}&amp;body={post_link}">
					<span class="share-btn-icon tie-icon-envelope"></span> <span class="screen-reader-text">Share via Email</span>
				</a>
				<a href="#" rel="external noopener nofollow" title="Print" target="_blank" class="print-share-btn " data-raw="#">
					<span class="share-btn-icon tie-icon-print"></span> <span class="screen-reader-text">Print</span>
				</a>			</div><!-- .share-links /-->
		</div><!-- .share-buttons /-->

		
	</article><!-- #the-post /-->

	
	<div class="post-components">

		<div class="prev-next-post-nav container-wrapper media-overlay">
			<div class="tie-col-xs-6 prev-post">
				<a href="https://baghdadtime.com/heres-why-your-excuses-for-not-investing-dont-hold-up/" style="background-image: url(https://baghdadtime.com/wp-content/uploads/2021/09/investing-1024x683-390x220.jpg)" class="post-thumb" rel="prev">
					<div class="post-thumb-overlay-wrap">
						<div class="post-thumb-overlay">
							<span class="tie-icon tie-media-icon"></span>
						</div>
					</div>
				</a>

				<a href="https://baghdadtime.com/heres-why-your-excuses-for-not-investing-dont-hold-up/" rel="prev">
					<h3 class="post-title">Here's Why Your Excuses for Not Investing Don't Hold Up</h3>
				</a>
			</div>

			
			<div class="tie-col-xs-6 next-post">
				<a href="https://baghdadtime.com/special-needs-trust-what-it-is-and-how-to-start-one/" style="background-image: url(https://baghdadtime.com/wp-content/uploads/2021/09/GettyImages-904518592-1440x864-390x220.jpg)" class="post-thumb" rel="next">
					<div class="post-thumb-overlay-wrap">
						<div class="post-thumb-overlay">
							<span class="tie-icon tie-media-icon"></span>
						</div>
					</div>
				</a>

				<a href="https://baghdadtime.com/special-needs-trust-what-it-is-and-how-to-start-one/" rel="next">
					<h3 class="post-title">Special Needs Trust: What It Is and How to Start One </h3>
				</a>
			</div>

			</div><!-- .prev-next-post-nav /-->
	

				<div id="related-posts" class="container-wrapper has-extra-post">

					<div class="mag-box-title the-global-title">
						<h3>Related Articles</h3>
					</div>

					<div class="related-posts-list">

					
							<div class="related-item is-trending tie-standard">

								
			<a aria-label="RUBY TOKEN: The Next Big Opportunity for 50X Returns on PinkSale" href="https://baghdadtime.com/ruby-token-the-next-big-opportunity-for-50x-returns-on-pinksale/" class="post-thumb"><img width="390" height="220" src="https://baghdadtime.com/wp-content/uploads/2024/05/Ekran-goruntusu-2024-05-22-074502-390x220.png" class="attachment-jannah-image-large size-jannah-image-large wp-post-image" alt="" decoding="async" /></a>
								<h3 class="post-title"><a href="https://baghdadtime.com/ruby-token-the-next-big-opportunity-for-50x-returns-on-pinksale/">RUBY TOKEN: The Next Big Opportunity for 50X Returns on PinkSale</a></h3>

								<div class="post-meta clearfix"><span class="date meta-item tie-icon">May 24, 2024</span></div><!-- .post-meta -->							</div><!-- .related-item /-->

						
							<div class="related-item">

								
			<a aria-label="How Much Does Paramount Plus Cost?" href="https://baghdadtime.com/how-much-does-paramount-plus-cost/" class="post-thumb"><img width="390" height="220" src="https://baghdadtime.com/wp-content/uploads/2024/04/GettyImages-2095964554-1440x864-390x220.jpg" class="attachment-jannah-image-large size-jannah-image-large wp-post-image" alt="" decoding="async" /></a>
								<h3 class="post-title"><a href="https://baghdadtime.com/how-much-does-paramount-plus-cost/">How Much Does Paramount Plus Cost?</a></h3>

								<div class="post-meta clearfix"><span class="date meta-item tie-icon">April 17, 2024</span></div><!-- .post-meta -->							</div><!-- .related-item /-->

						
							<div class="related-item">

								
			<a aria-label="How to Find the Best Umbrella Insurance" href="https://baghdadtime.com/how-to-find-the-best-umbrella-insurance/" class="post-thumb"><img width="390" height="220" src="https://baghdadtime.com/wp-content/uploads/2024/04/GettyImages-1156650366-1440x864-390x220.jpg" class="attachment-jannah-image-large size-jannah-image-large wp-post-image" alt="" decoding="async" loading="lazy" /></a>
								<h3 class="post-title"><a href="https://baghdadtime.com/how-to-find-the-best-umbrella-insurance/">How to Find the Best Umbrella Insurance</a></h3>

								<div class="post-meta clearfix"><span class="date meta-item tie-icon">April 12, 2024</span></div><!-- .post-meta -->							</div><!-- .related-item /-->

						
							<div class="related-item">

								
			<a aria-label="What Is a Mortgage Broker? 4 Questions to Ask Before Using One" href="https://baghdadtime.com/what-is-a-mortgage-broker-4-questions-to-ask-before-using-one/" class="post-thumb"><img width="390" height="220" src="https://baghdadtime.com/wp-content/uploads/2024/04/GettyImages-1218141687.jpg-working-with-mortgage-broker-1440x864-390x220.jpg" class="attachment-jannah-image-large size-jannah-image-large wp-post-image" alt="" decoding="async" loading="lazy" /></a>
								<h3 class="post-title"><a href="https://baghdadtime.com/what-is-a-mortgage-broker-4-questions-to-ask-before-using-one/">What Is a Mortgage Broker? 4 Questions to Ask Before Using One</a></h3>

								<div class="post-meta clearfix"><span class="date meta-item tie-icon">April 7, 2024</span></div><!-- .post-meta -->							</div><!-- .related-item /-->

						
					</div><!-- .related-posts-list /-->
				</div><!-- #related-posts /-->

				<div id="comments" class="comments-area">

		

		<div id="add-comment-block" class="container-wrapper">	<div id="respond" class="comment-respond">
		<h3 id="reply-title" class="comment-reply-title the-global-title">Leave a Reply <small><a rel="nofollow" id="cancel-comment-reply-link" href="/insurance-and-bonding-for-cleaning-businesses/?random-post=1#respond" style="display:none;">Cancel reply</a></small></h3><form action="https://baghdadtime.com/wp-comments-post.php" method="post" id="commentform" class="comment-form" novalidate><p class="comment-notes"><span id="email-notes">Your email address will not be published.</span> <span class="required-field-message">Required fields are marked <span class="required">*</span></span></p><p class="comment-form-comment"><label for="comment">Comment <span class="required">*</span></label> <textarea id="comment" name="comment" cols="45" rows="8" maxlength="65525" required></textarea></p><p class="comment-form-author"><label for="author">Name <span class="required">*</span></label> <input id="author" name="author" type="text" value="" size="30" maxlength="245" autocomplete="name" required /></p>
<p class="comment-form-email"><label for="email">Email <span class="required">*</span></label> <input id="email" name="email" type="email" value="" size="30" maxlength="100" aria-describedby="email-notes" autocomplete="email" required /></p>
<p class="comment-form-url"><label for="url">Website</label> <input id="url" name="url" type="url" value="" size="30" maxlength="200" autocomplete="url" /></p>
<p class="comment-form-cookies-consent"><input id="wp-comment-cookies-consent" name="wp-comment-cookies-consent" type="checkbox" value="yes" /> <label for="wp-comment-cookies-consent">Save my name, email, and website in this browser for the next time I comment.</label></p>
<p class="form-submit"><input name="submit" type="submit" id="submit" class="submit" value="Post Comment" /> <input type='hidden' name='comment_post_ID' value='1779' id='comment_post_ID' />
<input type='hidden' name='comment_parent' id='comment_parent' value='0' />
</p></form>	</div><!-- #respond -->
	</div><!-- #add-comment-block /-->
	</div><!-- .comments-area -->


	</div><!-- .post-components /-->

	
</div><!-- .main-content -->


	<div id="check-also-box" class="container-wrapper check-also-right">

		<div class="widget-title the-global-title">
			<div class="the-subtitle">Check Also</div>

			<a href="#" id="check-also-close" class="remove">
				<span class="screen-reader-text">Close</span>
			</a>
		</div>

		<div class="widget posts-list-big-first has-first-big-post">
			<ul class="posts-list-items">

			
<li class="widget-single-post-item widget-post-list">

			<div class="post-widget-thumbnail">

			
			<a aria-label="What Is a Mortgage Broker? 4 Questions to Ask Before Using One" href="https://baghdadtime.com/what-is-a-mortgage-broker-4-questions-to-ask-before-using-one/" class="post-thumb"><span class="post-cat-wrap"><span class="post-cat tie-cat-27">Finance</span></span><img width="390" height="220" src="https://baghdadtime.com/wp-content/uploads/2024/04/GettyImages-1218141687.jpg-working-with-mortgage-broker-1440x864-390x220.jpg" class="attachment-jannah-image-large size-jannah-image-large wp-post-image" alt="" decoding="async" loading="lazy" /></a>		</div><!-- post-alignleft /-->
	
	<div class="post-widget-body ">
		<a class="post-title the-subtitle" href="https://baghdadtime.com/what-is-a-mortgage-broker-4-questions-to-ask-before-using-one/">What Is a Mortgage Broker? 4 Questions to Ask Before Using One</a>

		<div class="post-meta">
			<span class="date meta-item tie-icon">April 7, 2024</span>		</div>
	</div>
</li>

			</ul><!-- .related-posts-list /-->
		</div>
	</div><!-- #related-posts /-->