Janitorial Insurance & Commercial Cleaning Insurance
Janitorial Insurance & Building Maintenance Insurance
By: Allen Financial Insurance Group
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What kind of insurance is best for janitorial professionals?
For owners of a commercial cleaning, janitorial, or building maintenance service business liability 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 maintenance professionals.
Janitorial Liability Insurance Policy
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.
Protect your Janitorial business!
Janitorial insurance protects cleaning service contractors against lawsuits and property damages specific to the janitorial industry such as:
Don’t let an accident sweep your financial resources away. Pick your janitors insurance coverage with AFIG today!
All of these scenarios may seem unlikely – something that simply wouldn’t happen to your cleaning business. But these types of accidents can, and do happen, more often than you may think – and the cost to your business could be devastating.
While slips, trips, and falls are the most common reasons for claims, damage to a client’s property can also be incredibly costly. Accidents that involve damage to expensive, rare, or fragile items make up a significant proportion of payouts – and claims made for irreplaceable items could see your business being sued for a huge sum.
For this reason, it’s crucial to have cleaning insurance and janitorial general liability insurance in place – no matter how big or small your business is. Not only can it help protect your business by paying for expert legal defense, but if a claim that relates to client injuries and client property damage is made against you, your insurer will cover the cost of any compensation awarded.
Preventing costly insurance claims for cleaning and janitorial businesses!
General liability insurance, sometimes called Commercial General Liability (CGL), could protect your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Having this kind of coverage is beneficial in several instances:
- Bodily injury: A customer trips over one of your cleaning supplies while you are cleaning their home and you are legally liable for the injury. We will cover the subsequent claim and related medical expenses up to your limits of liability.
- Damage to another’s property: One of your employees breaks a customer’s lamp in their home while cleaning their office space. We will cover the subsequent claim up to your limits of liability.
- Personal injury: One of your employees is at lunch. He talks to the owner of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We will cover the subsequent claim, up to your limits of liability, and pay for an attorney to defend you if necessary.
Who needs it?
Professions that commonly need cleaning insurance include:
- Carpet Cleaning
- House Cleaning
- Laundry Services
- Dry Cleaning
- Office Cleaning
- Commercial Cleaning
What does it cost?
Your cleaning insurance cost will typically depend on the specific types of cleaning services you do. For example, a house cleaning business typically dusts, vacuums and mops, while a commercial cleaning business usually waxes floors, and cleans around large machinery. These variances expose each business to different levels of risk that’ll likely cause their rates to differ.
Why janitorial professionals choose Allen Financial
- Tailored coverage: We specialize in businesses like yours and tailor coverage to the risks in your field.
- Passion for service: Knowledgeable agents provide exceptional service
- Fast and simple: Online quotes or speak to a licensed agent – immediate coverage.
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 Cleaning Insurance and maintenance service business program provides outstanding protection for thousands of maintenance service businesses throughout the United States. This comprehensive Janitorial 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
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.
Protects you against a loss concerning owned, borrowed, rented, or leased tools and equipment everywhere.
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
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.
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.
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.
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!
- 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