4 Types of Insurance When Working in Janitorial Services

December 25, 2019 Blog

Handy Suggestions from the Team at the Business Insurance Center

Supporting other organizations with your cleaning company is a fabulous service. It’s that background task that helps companies, medical offices, schools and stores keep their premises clean and ready to begin the next day’s work. In some ways, your service is an unsung hero. Once you have your business structure and name chosen, you may think you can jump right into cleaning office buildings.

Before you set loose with your vacuum and cleaning supplies, ask yourself if you have everything in your arsenal, including insurance for your janitorial services. The experienced brokers at the Business Insurance Center help small business owners, entrepreneurs, and self-employed individuals like you get the coverage you need to protect your company. Let us work with you to determine the best policies for your needs.

6 Types of Insurance Policies for Your Cleaning Service

Don’t be caught off guard when an unfortunate incident occurs and you find yourself at the wrong end of a lawsuit. Start with these six types of insurance policies and gain peace of mind that you can keep moving forward for your clients:

  1. Start with general liability insurance. This may be the most widely known type of coverage. Sometimes called the ‘slip-and-fall lifeline,’ it steps in when a non-employee slips and falls, an employee causes property damage, or you are sued for advertising-related injuries.
  2. Next, add a business owner’s policy. Think of this as protection for your capital expenditures like purchases of commercial cleaning equipment or office space. This can help in the event of a fire, theft, vandalism, and certain weather occurrences which cause you to incur costs for repair or replacement.
  3. Remember to stay legal with workers’ compensation insurance. Most states require you to purchase workers’ compensation insurance when you hire employees. Injuries can happen, and this policy helps your employees pay for medical costs and lost income. It may even help if a lawsuit is brought against you from an employee.
  4. Give your clients confidence with a janitorial bond. Show your potential customers that you are trustworthy with a bond. If an employee steals or breaks something, your bond can help cover the replacement costs.
  5. Add on commercial automobile liability to protect your vehicles. Driving between sites can result in an accident. Your personal car insurance will not cover your vehicles used for commercial purposes. Get the coverage you need with the right type of policy.
  6. Just in case you cannot work, business interruption coverage may help. As a small company, you may have yourself and only a couple of employees running things. If you cannot work because of a covered event, this policy may be able to help you keep the lights on.

Safeguard Your Janitorial Service with Appropriate Policies from the Business Insurance Center

Don’t wait for a catastrophe to happen. Talk with the knowledgeable staff at the Business Insurance Center and get the best coverage for the right rate. We work with you to ease your concerns about the types of protection you require. We can look over your existing policies and assess where you may have gaps. Then we will custom-design a plan for you and your business. Give us a call today, and rest assured your enterprise is appropriately covered.

Request a quote online or call and speak with a knowledgeable and experienced broker at the Business Insurance Center. We have a 24/7 call center to serve you and an online Live Chat operator.

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