oh yeah! for $15 an hour I'm having you come every single week and stay for 3 hours, and fixing you lunch! beverages complimentary of course! and sue? no way, I'll give it to you in writing!
can't touch that rate here in the great north east. and I'm not in a big city, just a 'burb of a midsize one!
ditto on the insurance thing. liscensed and insured all the way for both you and homeowner. senario: bucket of hot bleach water from scrubbing kitchen floor really well spills on new wall to wall carpet in adjacent family room. can not be corrected at all so homeowner gets new carpet for whole 20x20 foot room, it does happen no matter how careful you are.