What coverage options should you consider?
By understanding the risks you face in your day-to-day operations, you can determine the coverage options you may need. Here are some solutions that may work for your janitorial and cleaning service business:
- Business Auto
- Commercial Property
- Commercial Umbrella
- Cyber Liability
- Employment Practice Liability
- Errors and Omissions Liability
- General Liability
- Workers’ Compensation
Liability insurance for the services you provide.
General liability insurance is essential for janitorial services companies. While your employees are working at a client’s location, the client could trip over equipment or otherwise become injured. Similarly, a worker could damage your client’s property in the course of cleaning. Accidents and injuries can happen, and general liability insurance may help pay for damage to property or bodily injury. Commercial umbrella or excess liability insurance should also be considered to kick in when the limits of underlying policies are reached.
Business auto insurance for your employees on the move.
As a janitorial services company, your employees are traveling from site to site. If you have a van that carries workers or equipment to each location, business auto insurance is a must. Sometimes employees will transport themselves in their own vehicles, but this doesn’t let you off the hook. In this case, you’ll want to explore non-owned auto insurance. Your business can be held liable if your employees are responsible for an auto accident while they’re working for you, so adequate insurance coverage should be in place.
Consider pollution and environmental insurance.
If your business is using chemicals and solvents, they can cause environmental hazards. Mixing chemicals can affect air quality and spilled materials can require specialized cleanup. Runoff of chemicals can potentially contaminate water and soil around a property as well. Janitorial and cleaning services companies can also inadvertently release mold, asbestos, lead, and other contaminants while working on-site. Insurance is available to help protect your business financially for cleanup and remediation costs, as well as other related damages.
Address common business insurance needs.
There are some insurance policies that are common to most businesses. Workers’ compensation insurance may protect you in the event an employee is injured or killed on the job. If your business’ network is hacked and customer records are exposed, cyber liability insurance may provide financial support. Commercial property insurance helps cover the equipment your business owns and uses, and limits should be adequate to cover your most expensive machinery. Employment practice liability and professional liability insurance may also be beneficial.
Have questions about your janitorial services insurance needs? Contact us to discuss your coverage options and business needs.