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Janitorial and custodial professionals know: accidents can and do happen. That's why it's important to have the right insurance coverage to protect your business and your bottom line.
With our janitorial business insurance, you can have peace of mind knowing that you're covered against liability claims and lawsuits, workplace injuries and illnesses, and other unexpected events. Contact us today to learn more about how we can help protect your cleaning company.
As a janitorial business owner, you understand the importance of a clean and safe environment for your clients and their customers. However, accidents happen, and when they do, they can be costly.
That's where janitorial insurance comes in. Janitorial insurance protects your business and employees from financial losses due to property damage, liability claims and workplace injuries.
Custodial or janitorial insurance describes insurance policies specifically designed for janitorial, cleaning and custodial service providers. It provides coverage for accidents, injuries and damages that may occur while providing cleaning services to clients. This coverage ensures that your business assets and employees are protected, giving you peace of mind.
Janitorial businesses face a variety of risks that can lead to insurance claims. Here are some of the most common claims and risks to consider:
There are different types of janitorial insurance policies available. Below are the most common ones.
Janitorial liability insurance, also known as general liability insurance, is designed to protect your business against third-party claims of bodily injury or property damage. This policy covers damages or injuries that occur while you or your employees are providing cleaning services. For example, if you or an employee accidentally break a client's window while cleaning, this policy would cover the damages.
Workers’ compensation insurance provides coverage for workplace injuries or illnesses that your employees may sustain while working. This policy covers medical expenses, lost wages, and other related costs. Having this policy can help protect your business from being sued by an employee who gets injured on the job.
Do you have employees or subcontractors? It’s important to ensure the safety of your workers, protect your business from potential liability claims and maintain compliance with state workers’ compensation laws. That’s where workers compensation insurance comes in.
If you have employees, most states require that you provide workers’ compensation insurance to cover any injuries that may occur while on the job. However, if you are self-employed or work with subcontractors, it is important to check your state's workers' compensation laws to determine your coverage requirements.
Workers’ comp insurance is especially important in the janitorial industry, as many tasks can be physically demanding and may put workers at a higher risk for injuries such as sprains, strains and repetitive stress injuries. Exposure to harsh chemicals in cleaning products can also cause tissue or respiratory damage, making it crucial to provide your employees with proper training and protective equipment.
Professional Liability insurance provides coverage for claims that may arise from professional services that you or your employees provide. For instance, if the cleaning crew accidentally uses the wrong cleaning product on a delicate piece of furniture, the client may file a claim against the cleaning company for the cost to repair or replace the damaged item. Professional liability insurance can provide coverage for such claims, protecting the cleaning company from financial losses and potential lawsuits.
Janitorial bond insurance coverage for theft or damages caused by your employees while working on a client's premises. This policy provides peace of mind for clients who may be hesitant to hire a cleaning company, particularly if the cleaning crew will have access to the building outside of normal business hours.
A Business Owners Policy, or BOP, is a comprehensive insurance policy that includes multiple coverages in one policy. This policy typically includes general liability, business property and business interruption coverage. Bundling these policies together into one policy saves the business owner money, as well as provides the company with a more comprehensive coverage package.
Umbrella insurance is an important coverage option for janitorial businesses. It provides additional liability protection beyond the limits of your primary insurance policies. If a claim exceeds the limits of your general liability or workers' compensation policy, an umbrella policy can help cover the remaining costs.
For example, let's say your janitorial services business is sued for $2 million in damages, but your general liability insurance policy only covers up to $1 million. In this scenario, umbrella insurance can cover the additional $1 million, so you don't have to pay out of pocket or risk bankruptcy.
This coverage can help protect your business assets and provide peace of mind for you and your employees. When selecting an umbrella policy, it's important to consider the coverage limits and ensure that the policy provides protection for the specific risks your business may face.
Having janitorial insurance provides several benefits for your business, including:
Getting a janitorial insurance quote is easy with the right information. Start by compiling a list of the services your cleaning company offers, as well as any risks associated with those services. Then, research insurance providers and request quotes from those that specialize in janitorial business insurance.
Several factors can affect your insurance premiums, including the size of your business, the services you offer, your claims history, and the coverage you choose. Be sure to discuss these factors with your insurance provider to determine what coverage options are best for your cleaning company.
When comparing insurance providers, consider their reputation, experience and customer service. Look for insurance agencies that specialize in janitorial business insurance and have a proven track record of providing quality coverage and support.
Also, be sure to compare premiums and coverage options from multiple providers to find the best fit for your cleaning company's needs. (An independent insurance agent can help you shop for the best rates and coverage options between multiple providers.)
Before purchasing a janitorial insurance policy, it's important to ask your provider several questions to ensure you're getting the coverage you need.
Asking these questions will help ensure that you fully understand the coverage you're purchasing and that you're getting the best value for your money.
Managing your janitorial insurance costs is essential for keeping your business profitable. The most effective way to manage your insurance costs is to have a strong claims prevention program in place. This doesn’t need to be elaborate, but it will help you avoid costly accidents and incidents in the first place.
Common claims for janitorial businesses include slip-and-fall accidents, property damage and theft. To mitigate these risks, consider implementing safety measures such as slip-resistant flooring, secure storage for cleaning supplies, and background checks for employees. Additionally, it's important to have a clear protocol in place for reporting and addressing accidents and incidents.
To lower your insurance premiums, consider bundling your policies with one provider, implementing risk management strategies, and maintaining a good claims history. Additionally, ask your provider about any available discounts or savings, such as those for having a good safety record or for paying your premiums in full upfront.
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