Cleaning Business Insurance

When a client slips on a wet floor, or a janitor drops an item of value, janitorial cleaning business insurance helps cover expenses. It's a must-have for those whose jobs involve working in homes and offices, and handling client property.

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For a cleaning business, difficulties in handling client property damage, third-party bodily injury, employee injury, and potential theft of client goods can affect the profitability of your company if you don't have adequate insurance. Insurance for cleaning businesses can cover your business from the ramifications of these negative incidents, helping you to mitigate financial strain and keep your enterprise profitable.

Insurance can help you deal with risks you may face as a business owner, from a customer slipping on a recently mopped floor to being accused of damaging someone’s property. Being insured against accidents or threats to your business is a key step in keeping your business afloat when mishaps occur.

Who Needs It?

Jobs that normally need cleaning business insurance include:

  • Carpet Cleaning
  • House Cleaning
  • Laundry Services
  • Janitorial Services
  • Construction Cleaning
  • Office Cleaning
  • Commercial Cleaning
Janitors Cleaning Business Insurance

Recommended Insurance Coverage

General Liability Insurance

General Liability insurance often covers common business risks such as customer injuries, customer property damage, and advertising injuries. It safeguards your business against high legal costs and is often required to be able to lease commercial space, bid on a job or sign an agreement.

Many cleaning service business owners typically purchase general liability insurance before seeking any other coverage. This policy provides liability coverage related to:

  • Third-party bodily injury
  • Customer property damage
  • Advertising injuries

Third-party Bodily Injury

If a supplier or client slips and falls at your office or trips over the edge of your cleaning equipment at the location, your business may be held accountable for the injury if negligence occurred. If the injured person files suit, your business may be required to pay the customer’s damages, including medical expenses, economic loss, and pain and suffering. General Liability policies can cover unforeseeable accidents and pay for:

This policy does not cover employee injuries, employee injuries are covered by workers’ compensation insurance.

Third-party Property Damage

General Liability insurance pays for the cost of repairing or replacing property that is accidentally broken by one of your employees on a cleaning job. An employee could very easily break an expensive figurine or vase while dusting. If there is a disagreement about the cost associated with a repair, and the client files a suit, the General Liability insurer would defend their appraisal of the damage estimate and end up paying what the court awards for covered claims.

Personal & Advertising Injury

Copying another company's logo or slogan could result in a lawsuit, which is why a careful review is necessary before releasing another business owner's advertisements. What you or your employees say about people, or businesses can also get your into trouble with personal injury claims. Legal defense is covered by General Liability insurance, as well as accidental Personal and Advertising Injuries, which include:

Workers’ Compensation Insurance

Workers' compensation insurance pays the associated medical costs and a portion of lost wages statutorily required for employees hurt on the job. Illnesses may be covered but the illness has to be a direct result of the job, think of black lung disease suffered by coal miners years ago.

Workers' compensation insurance is required in most states, depending on the number of employed staff a business has. Check the requirements in your state before you forgo this coverage. Penalties and fines can be stiff.

Employee injury benefits

When a job-induced injury occurs, workers' compensation insurance helps compensate employees and provides coverage for:

Employers’ Liability

Employers’ liability coverage is typically included with a workers’ compensation policy and provides defense when an employee sues their employer for negligence in causing their injury. If the court agrees, this coverage would respond to the awarded compensation.

In one situation, one of your window washers may complain about vertigo and require a reduced or modified workload. If you don't accommodate the request and that employee ends up falling off the scaffold, you most likely will face a lawsuit. In that case, employers’ liability insurance covers:

Without Workers' Compensation coverage, you will pay for your own defense and damages awarded.

Commercial Auto Insurance

Your employees most likely depend on your cleaning company's vans to travel to customers. If an employee gets into an at-fault accident, and injures another driver it would cause serious problems for your company financially. An automobile accident lawsuit could result in enormous debts for your company and maybe put you out of business, particularly if another party is injured.

Commercial Auto insurance covers third-party injury and property damage when your employee driver causes an accident. The costs related to car crashes have steadily been increasing in recent years, think of people on their phones while driving (more accidents) and the extensive electronic equipment now standard in most vehicles, increasing the costs of repairs. Comprehensive and collision physical damage covers business-owned vehicle damage, less the deductible.

Your policy can be adapted to match your company. For instance, a pool cleaning service may only serve clients within a certain-mile radius which reduces risk. Heavy trucks, like septic tank cleaning services, need higher liability limits on their business auto policies because of the amount of damage or injury they could wreak.

Statutory and optional coverage is also purchased on a business auto policy, besides auto liability, you may opt for medical payments, personal injury protection (aka no-fault), uninsured motorists coverage, rental reimbursement, towing, and permanently attached equipment.

Business Owner's Policy

A Business Owners Policy (BOP) is made up of business property insurance and General Liability insurance. It typically costs less than buying the policies separately. It is a requirement for many cleaning businesses. General liability is usually required in most premises lease agreements.

A Business Owner's Policy can help cover the costs of:

  • Lawsuits involving third-party injuries or property damage.
  • Lost or stolen business equipment
  • Damage to owned assets, building, contents etc. by covered perils
  • Libel, copyright infringement, and other types of advertising-injury lawsuits.

Commercial cleaning often entails heavy-duty cleaning and waxing machines that are very expensive to replace and may cause significant damage if incorrectly used. Therefore, this policy is vital for occupations like house cleaners, housekeepers, carpet cleaners, and window cleaners.

Cleaning Business Insurance

General Liability-

Customer Injuries or Property Damage

The Business Owner's Liability insurance can cover medical expenses, legal fees, and other costs associated with injuries sustained by customers or third parties from business operations, such as:

Advertising Injuries

General Liability is also a part of a BOP that covers injuries resulting from cleaning services, including:

For example, if you slander a rival's work at a business event and are sued, liability insurance coverage may help cover legal costs.

Commercial Property-

Damage to your cleaning equipment and other business property

Commercial Property insurance in a BOP can protect you from the unforeseen financial loss of:

If your equipment was stolen or fire occurred at your business, your Business Owner's insurance policy will assist with the replacement of lost items or the costs of repair, if required.

Business Interruption

If your business must close because the building was damaged by a covered peril (fire, tornado, hurricane, riot/civil commotion) and you cannot conduct normal business operations, Business Interruption insurance can prevent a financial disaster by replacing net income. Your company will be able to pay ongoing expenses.

Commercial Umbrella Insurance

Once the insurance limit of a policy has been paid out in claims, Commercial Umbrella insurance provides an additional layer of coverage, up to the limit purchased. An umbrella policy can be written in conjunction with the General Liability, Commercial Auto Liability, or Employer's Liability policies.

Your legal costs can quickly add up to the point that your insurance coverage isn't enough to cover them. Umbrella liability insurance, similar to excess liability insurance, may pay for claims that exceed the liability limit on your underlying insurance policy.

The policy can boost the coverage limits of your:

Many cleaning businesses choose Umbrella insurance policies to satisfy their customers' contracts that may require limits in excess of $2,000,000.

Janitorial Service Bond

A third-party services bond is often required before people or businesses will hire a cleaning company. Because cleaning companies have access to residences or commercial spaces often when unoccupied to perform their work, there is always a chance that an employee may steal something from a client location. Or, it’s possible that a break-in could occur later if a door was “accidentally” left unlocked. Although you may trust your employees, the access they have to private homes and offices may be a temptation.

This cleaning service bond provides coverage related to:

How Much Does It Cost?

The precise amount of premium you will pay will vary according to:

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