As a provider of janitorial cleaning services, you work hard to keep your clients’ premises clean and in order. Your clients rely on you to provide a high level of service, but accidents can happen, and mistakes can be made. That’s why it’s essential to have janitorial cleaning services insurance to protect your business from potential losses.
Who Needs Janitorial Cleaning Services Insurance?
If you own a janitorial cleaning services business or work as an independent contractor, you need janitorial cleaning services insurance. It doesn’t matter if you’re providing cleaning services for commercial or residential clients – you need to be protected against potential risks and claims.
Types of Insurance Needed by Janitorial Cleaners
There are several types of insurance that janitorial cleaners should consider:
1. General Liability Insurance – This covers your business against claims of bodily injury or property damage that may occur during the course of your work. For example, if one of your employees accidentally damages a client’s property while cleaning, this coverage would protect you from any associated costs.
2. Workers’ Compensation Insurance – This coverage is required by law in most states and provides benefits to employees who are injured on the job. It covers medical expenses, lost wages, and other related costs.
3. Business Owner’s Policy (BOP) – This is a comprehensive policy that combines general liability insurance and property insurance. It also includes coverage for business interruption, which protects you against losses due to unforeseen events such as natural disasters or power outages.
4. Commercial Auto Insurance – If you have company-owned vehicles or use your personal vehicle for business purposes, you need commercial auto insurance. This coverage protects you against accidents or damage that may occur while driving for work-related purposes.
How Much Does Janitorial Cleaning Services Insurance Cost?
The cost of janitorial cleaning services insurance varies depending on several factors, such as the size of your business, the types of services you provide, and the number of employees you have.
It may be hard and time-consuming to find all the insurance policies offered for your business and compare them carefully but you don’t have to do it on your own. Our experts from General Liability Insure are happy to provide you with professional support anytime!
Janitorial Cleaning Services Risks & Exposures
Janitorial cleaning services face a variety of risks and exposures, such as:
- Slip and fall accidents – Employees, customers or visitors of the premises may slip and fall on wet floors or other hazards caused by your cleaning activities.
- Property damage – Your employees may accidentally damage clients’ property while cleaning or moving equipment.
- Theft or vandalism – Your employees or outsiders may steal or vandalize clients’ property while on the job
- Chemical exposure – Your employees may be exposed to harmful chemicals while cleaning, which can cause health problems.
- Business interruption – Events like natural disasters or power outages may cause you to shut down temporarily, leading to loss of income.
Commercial Insurance And Business Industry Classification
- SIC CODE: 7349 Building Cleaning and Maintenance Services, Not Elsewhere Classified
- NAICS CODE: 561720 Janitorial Services
- Suggested Workers Compensation Code(s): 9014 Janitorial Services by Contractors – No Window Cleaning Above Ground Level & Drivers
Janitorial Cleaning Services Insurance – The Bottom Line
Janitorial cleaning services insurance is essential for protecting your business and your clients. It provides financial protection against potential risks and claims, which can be costly and time-consuming to deal with. By investing in the right insurance coverage, you can focus on providing high-quality services to your clients, knowing that you’re protected against unforeseen events.
When choosing an insurance provider, make sure to shop around and compare policies and prices from different providers. Look for an insurer who specializes in janitorial cleaning services insurance and has experience working with businesses like yours.
However, if you don’t want to waste your precious time doing such detailed research, you can always conveniently order our service and let our experienced and competent experts do it for you. Contact us now!