Janitorial Insurance – Cleaning Insurance

Janitorial Insurance
Cleaning Insurance
Tailed protection for Janitorial businesses in one policy!
By: Allen Financial Insurance Group

Contact us for a no obligation cleaning insurance policy or janitorial insurance quote today!

Janitorial Insurance – Cleaning Insurance

For owners of a cleaning, janitorial, or maintenance service business, janitorial insurance is an absolute necessity.  Your work takes you everywhere. If you specialize in janitorial work at schools, local business, and office buildings your clients rely on you to keep their facilities clean, sanitary and protected.  If your business expertise lies in upholstery and carpet cleaning, your work will take you from office buildings to private homes and apartments.  Because you travel to conduct your cleaning services, your business is exposed to multiple liability risks especially since you are responsible for the property of others.   You can be found liable if you are blamed for damage to their property or injury from a slip and fall due to your operations.

This is why  Janitorial and Cleaning service providers must protect their business with Janitorial Insurance – Cleaning Insurance from Allen Financial Insurance Group. It can be difficult for the business owners of non-corporate janitorial services to find complete information about small business insurance because many other insurance providers aren’t familiar with their needs.  Fortunately, Allen Financial specializes in proving coverage for janitorial and building maintenence professionals.


Cleaning Insurance & Janitorial Insurance Liability

This comprehensive Janitorial Insurance – Cleaning Insurance policy safeguards your small or large cleaning business against liability for unexpected accidents, and property damage. Adequate Janitorial Insurance- Cleaning Insurance means that your business will be covered should a client file a lawsuit alleging your company is responsible for their property damage or bodily harm.

Each of these policies can be adjusted to match the risk exposures of your janitorial service. These risks can vary depending on the size and location of your company, in addition to the types of services you provide. Read on to learn more about the insurance coverage available and how it can be customized to fit your janitorial business’s needs.


Janitorial Insurance – Cleaning Insurance

Policy Coverage Highlights
  • National A rated, Admitted Company
  • Preferred Rates – Immediate Quotes
  • Monthly Payment Plan
  • 24 / 7 Claims Service
  • Certificates of Insurance
  • Lost Key Coverage
  • Safety & Risk Management Loss Control Programs

Business Liability Janitorial Insurance – Cleaning Insurance

Our comprehensive commercial Janitorial Insurance – Cleaning Insurance policy offers coverage beyond the industry standard. Our Janitorial Insurance General Liability policy includes unique coverage essential to those in your industry.  If your business is held legally liable for damage to your client’s property, this policy will pay up to the full limit of the policy without a deductible. Included in our general liability policy is coverage for claims arising from the products you sell or the services you complete. Our liability insurance protects you if you are responsible for damage to the property of others. We extend this coverage to include borrowed equipment that’s damaged at your job site while it is not being used.

The Janitorial Insurance – Cleaning Insurance and maintenance service business program  provides outstanding protection for thousands of maintenance service businesses throughout the United States. This comprehensive Janitorial Insurance – Cleaning Insurance program gives you the ability to combine broad property, liability, commercial auto, bonds, workers compensation and umbrella coverage with low rates.


Commercial General Liability Limits

Per Occurrence  :       $100,000 to $10,000,000
General Aggregate :   $200,000 to $10,000,000
Products Aggregate : $200,000 to $10,000,000
Personal Aggregate : $100,000 to $10,000,000
Personal Injury :         $100,000 to $10,000,000
Medical Payment :      $5,000
Fire Legal :                   $50,000
Employee Dishonesty $5,000


Janitorial Safety Management

Accidents, Surprises, and Losses all come with the territory of owning your own business. But there’s no reason you have to be a “victim” of these unexpected losses, not if you take advantage of three key ways to help manage your janitorial risks.

Take a close look at the safety and maintenance of your facilities, as well as the practices of your employees and contracted workers.

You may be liable for injuries caused by your product from the moment it hits shelves until long after it has been purchased. And your “product” may include a lot more than you realize, Unless property and equipment are maintained properly and insured adequately, they can be at significant risk for loss and damage.

As soon as you hire your first employee, you need the protection of workers’ compensation insurance. Not only do many state laws require it, but the financial security of your business may depend on it.

Additional Insured’s :

If a written contract requires you to name someone else as an additional insured on your policy, we’ll automatically extend that status to them. We will also provide them with primary coverage if they require it of you.

Blanket Contractual – Oral & Written

Choose our enhanced program for janitorial services and we’ll protect you against contractual liability exposures obtained on either a written or oral basis.


Tools & Equipment Coverage

Protects you against a loss concerning owned, borrowed, rented, or leased tools and equipment everywhere.

Business Income and Extra Expense

Our Jani-Pro business owners policy offers 12 months actual loss sustained; no waiting period; may be excluded for premium credit.

Business Crime & Employee Dishonesty

Our enhanced program policy for janitorial services and we’ll protect you against losses resulting from employee dishonesty or forgeries. We’ll also provide coverage for your money and securities on-premises and in-transit.


Things You Should Know

Why Do I Need Commercial Liability Insurance?

If you operate an janitorial or building maintenance business, you know how much planning and effort is involved to make your operations both safe and successful for everyone involved. Even with the most careful planning, unexpected situations can arise that you might not be prepared for.  Without adequate liability protection you will have to pay damages and defense costs yourself.  If the damages and costs are high enough you may suffer financial hardship or bankruptcy.

What Does The Commercial General Liability Policy Cover?

This policy was specifically designed to protect your event anywhere in the United States, it’s territories or Canada.  The general liability policy will pay the damages imposed upon you or your business by the law.  It also pays the cost of defending you when a claim is made against your policy.  Coverage is written on a full occurrence basis by an Admitted, A rated US insurance company and is tailored to fit your specific event needs.  The policy will also add the premises owner, venue, sponsors, volunteers and co-producers as additional insureds.

Certificate of Insurance vs Additional Insured Endorsement

When performing your services you will often be asked to provide a certificate of insurance to verify the existence of insurance coverage under specific conditions.  More specifically, the document lists the effective date of the policy, the type of insurance coverage purchased, and the types and dollar amount of applicable liability.

Frequently, another party such as a customers, management company or venue will ask to be named as an additional insured on your policy.  The additional insured then enjoys the benefits of being insured under your policy your for negligent acts and omissions but not for his own negligence.

What is Third Party Property Damage Liability (Care, Custody, Control Liability)

Most liability policies have provisions that exclude coverage for physical damage or loss to property while it is in the care, custody or control of the insured.  Care, Custody, Control Liability (also known as Third Party Property Damage) is an optional coverage that will pay for negligent injury to horses under your control.

Why You Need Workers Compensation

As soon as you hire your first employee, you need the protection of workers’ compensation insurance. Not only do many state laws require it, but the financial security of your business may depend on it.

What Workers’ Compensation Insurance Is

In general, workers’ compensation represents a compromise between employers and employees regarding employment–related injuries or illnesses.  In short, employees relinquish their right to sue employers if they suffer some job–related injury or illness.  But in return, employers agree to provide state–mandated benefits if employees suffer some job–related injury or illness.  And to ensure employees have the money to pay these mandated benefits, most states require that employers demonstrate that they have the financial ability to pay any claims that may arise.  Typically this financial ability is demonstrated through the purchase of workers’ compensation insurance.  Laws regarding workers’ compensation insurance vary by state, so check with your insurance agent or broker to find out exactly what you need and how it’s purchased.

How Workers’ Compensation Insurance Works

Most workers’ compensation insurance policies actually provide two types of coverage:
Workers’ Compensation Coverage.  This type of insurance provides benefits for injured workers as required by state law regardless of who is at fault for the job-related injury or illness. In other words, whatever benefits your state requires, your workers’ compensation policy would provide.
Employers’ Liability Coverage.  This additional coverage protects employers if they are sued for damages arising from employment–related accidents or diseases. However, to collect benefits provided by employer’s liability coverage, the employee, as well as anyone else not covered by workers’ compensation laws (i.e., spouses and dependents), would have to prove that the employer was legally responsible for the employee’s injury or disease.

We offer several billing options to make it easier on your budget!

Flexible Billing

  • Lump Sum: 25% down and receive a bill for the remaining balance in a month. We’ll send you one bill upon renewal.
  • Three Payment: 40% down and receive two installment bills.
  • Six Payment: 25% down and receive five installment bills.
  • Ten Payment: 20% down with the remaining premium spread throughout the nine monthly bills.
  • Direct Bill Toll Free Hotline

Janitorial Insurance
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