# Cleaning & Home Service Pros — Coverage Checklist

*Keys to twelve houses, coverage for one.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: client payments, all methods (full year)
- [ ] A simple weekly payment log is enough to estimate defensibly — and to update mid-year when the client list grows.
- [ ] Add all other household income (spouse W-2, side work) — the marketplace wants one combined figure

## The traps in your line of work
- [ ] Have an answer for: Estimating from memory instead of a simple payment log
- [ ] Have an answer for: Assuming cash clients don’t count until a platform 1099-K appears
- [ ] Have an answer for: Bonding and liability certificates mistaken for personal coverage
- [ ] Have an answer for: Crew misclassification discovered at the worst possible time

## Fast facts to remember
- **All payments** — cash counts like checks
- **Miles** — the route is a deduction
- **CSR** — strong at cleaning incomes

## Before you enroll
- [ ] List your doctors and check them against the plan network
- [ ] List prescriptions and check the formulary
- [ ] Compare at least two plans on deductible AND network, not premium alone

Full guide: https://bishopplans.com/health-insurance-for/ · Tools: https://bishopplans.com/health-insurance-for/tools/
Free to share. Not legal or tax advice.