How to Insure Your Janitorial Business

Cleaning professionals offer a valuable service to businesses and homeowners alike. Both with that service comes inherent risks to the owner of the cleaning business. Janitorial insurance offers protection for the company and its employees. Choosing the necessary coverage doesn’t have to be a daunting task. Here are some things to know about insuring your cleaning business.

Industry Risks

Assessing the risks to your business can help you prioritize the type of coverage you need. In addition to your own business’ assets, the property of the client in your care should also be considered in case of accident or damage. Employees might be subjected to slick surfaces, toxic chemicals, repetitive motion injuries, toxic materials and late nights. Small accidents can lead to large financial losses.

Policy Options

Most cleaning services need more than one insurance policy to cover all liabilities and risks inherent with the job. Some policy options to consider in your search include:

  • Excess Liability / Umbrella Liability Insurance
  • General Liability Insurance
  • Workers’ Compensation Insurance
  • Business Owner’s Policy / Property Insurance

Factor in the amount for the deductible, premiums and covered services into your decision. A qualified agent can help you navigate the costs and coverage specifics of janitorial insurance. Save yourself financial loss and hardship with comprehensive insurance coverage.