Cleaning and maintenance companies are in high demand. Whether employees work as janitors at an office building after hours, or provide cleaning services at a hospital, hotel, or residence, owners of these companies know that in the course of business, their employees and customers are subject to certain risks. A worker could suffer lung damage after inhaling toxic fumes from a liquid used for heavy-duty scouring, or a client could slip and fall on a freshly mopped floor. A cleaning business could face an unanticipated economic loss, or their equipment could be stolen from a company vehicle or destroyed in a fire. To make sure that their organization can continue to operate, and keep its assets and business property protected in case of a loss or claim, company owners should purchase cleaning and maintenance insurance coverage through a licensed independent insurance agent.
Consider purchasing a cleaning and maintenance insurance policy through your independent agent if you own any of the following businesses:
- Cleaning services
- Office or school cleaning
- House or apartment cleaning
- Carpet cleaning
- Laundry or dry cleaning
- Pressure washing
- Chimney sweeping
If you own a cleaning or maintenance business, it is necessary to protect yourself, your business, and your employees. Accidents can happen, and that’s why having the right insurance policy is so important.
An independent insurance agent will first recommend that you purchase commercial general liability insurance. Most small businesses have this type of coverage as their first line of defense. It is designed to protect against bodily injury and property damage liabilities. If a third party were to harm themselves as a result of your cleaning or maintenance work, you would be held financially responsible. For instance, a client could slip and fall on a newly mopped floor and break their ankle. General liability coverage would help to pay for the costs of the injured person’s medical bills. If they also filed a lawsuit, you would have assistance paying for the legal defense fees.
Many cleaning and maintenance companies cater to multiple businesses. This means transporting essential equipment to different sites each day. Without the right equipment, your business would be unable to function. Since the necessary tools and supplies can be quite costly, it is important that you protect your property with inland marine insurance. This ensures protection for your business equipment while it is being transported or is in storage. Covered incidents typically include theft and accidents. Imagine that you are driving to a client’s home and you get into an accident. The other vehicle crashes into your van knocking over expensive supplies and breaking your electric floor scrubber. With inland marine coverage, you will have financial assistance repairing or replacing the scrubber.
Additional insurance is also needed to protect your equipment in the event of a breakdown. With boiler and machinery insurance, also known as equipment breakdown insurance, you are covered in the event that your equipment stops working properly. Everything from the computers and fax machines in the office, to the cleaning tools you use on site are covered. This coverage will help to pay to repair or replace it. In addition, it will also cover your lost expenses and business income while you are unable to use the broken equipment.
There are many other types of insurance to also consider, depending on the unique needs of your business. Speak with an independent insurance agent about the following:
- Product liability insurance
- Auto insurance
- Property insurance
- Crime coverage
- Workers’ compensation
- Umbrella insurance
Creating the Right Policy for You
In reaching out to an independent insurance agent to learn more about buying adequate coverage for a cleaning business, owners can expect that an agent will likely want to meet with them to discuss their organization’s operations in detail. He might request to visit their facilities, and he will ask about whether employees of the business typically act as contractors and subcontractors with other companies and individuals, which may necessitate additional certificates of insurance. He may also inquire about whether payrolls are $500,000 or less, and want to know whether annual receipts amount to $3,000,000 (threshold numbers for various company programs). He might ask whether subcontractor costs exceed about one third of a cleaning business’s annual receipts.
A seasoned independent commercial insurance agent will want to know whether cleaning company employees perform any duct cleaning or cleaning of hoods for ovens or other cooking equipment in the course of their ordinary duties, which might be barred from coverage. He may also ask if they work at commercial buildings during business hours, and if they provide floor-waxing services to any clients, which might also be excluded from coverage under some business insurance policies. Additionally, an independent insurance agent will want to make sure that cleaning company staff is not providing any maintenance services on computers, elevators, escalators, or any water or fire restoration work, which might not be covered under the terms of most commercial insurance policies.
In meeting with a local independent insurance agent, cleaning business owners can expect that he may ask whether any of their organization’s corporate clients have incurred a construction defect claim in the past few years. And, a licensed independent insurance agent will probably want to know if cleaning business employees perform any tree trimming, roofing, or snow plowing operations, which may require additional deductibles under a commercial insurance policy. Also, he will likely ask whether or not cleaning employees work in buildings that are taller than three stories. An independent agent may inquire about a cleaning business owner’s prior management experience in the industry, and might also ask about whether employees have less than two years of experience in janitorial and maintenance work.
Find an Agent
Choosing business insurance for a cleaning or janitorial company can be challenging for owners. This is why they should contact an independent insurance agent, who can serve as a trusted resource to answer their questions about buying adequate coverage, and can explain provisions included in policies offered through a number of different insurance companies. With commercial insurance through an independent insurance agent, owners of cleaning companies know that in case of an accident, loss, or claim, their business, and its assets, can be covered.
Other Enhanced Insurance articles related to Small Business Insurance:
Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.
While the majority of people want an agent involved in their purchase of insurance, many people want to see if they can save money by buying direct from the insurance company. Others want to try a direct quote to make sure the premium they’re now paying through their local agent is fair. If you want a quote for your coverage, click on the competitive quote button on the right side of this page.