6 Insurance Solutions for Janitorial Businesses

As a janitorial business owner, you may not immediately think of insurance as a priority. However, having the right protection in place can save your business and even yourself significant financial hardship down the road. Business insurance coverage is vital for janitorial businesses of any size, providing necessary liability protection and safeguards against unforeseen events or losses that could otherwise severely impact day-to-day operations. Read on to learn more about specific types of insurance solutions designed to offer janitorial businesses robust support.

General Liability

General Liability insurance is of utmost importance for a janitorial business operating in any market. General Liability helps protect businesses from potential liabilities and lawsuits arising from bodily injury, property damage, libel, slander and more. In addition to the financial security General Liability provides against potential claims, it is also increasingly necessary for janitorial businesses to be able to obtain contracts with large clients that require General Liability coverage before they will enter into a contractual agreement. For these reasons and many more, General Liability insurance should be at the top of the list for anyone considering starting or expanding their janitorial business.

Commercial Auto

Commercial Auto insurance covers the cars and trucks used by your janitorial business. This type of protection provides coverage for your vehicles if they are damaged or destroyed in an accident, as well as liability insurance in case a third party is injured during any driving incidents related to the operation of your business. Commercial Auto insurance can also protect you from certain legal risks and liabilities a company may face when their employees use vehicles owned by the business for tasks such as travel between sites or picking up cleaning supplies. Whether you only have one vehicle or a fleet, it is important to be properly protected with Commercial Auto insurance so that your janitorial business has the right coverage when things go wrong.

Contractor’s Equipment Floater

Contractor’s Equipment Floater insurance is a great way for janitorial businesses to protect their valuable equipment and supplies. This type of insurance covers both the equipment while it's in use, as well as when it's in storage. With Contractor Equipment Floater insurance, you're protected from claims of lost or stolen items as well as potential physical damage from things like accidents, fires, and floods. Janitorial businesses that invest in robust Contractor’s Equipment Floater insurance will find peace of mind knowing their expensive equipment is covered in any circumstance and that their business is protected against financial loss.

Professional Liability

Professional Liability insurance is a crucial step that all janitorial businesses must invest in to stay protected. Professional Liability insurance can protect you from any losses you may incur from claims of careless work or incorrect advice by your employees and staff. With Professional Liability insurance, a janitorial business can rest assured that their company is safeguarded, allowing them to focus on providing the best customer service to their clients. Professional Liability insurance is essential for janitorial businesses and can prove invaluable if ever needed.

Excess Liability

Excess Liability insurance is an important consideration for any business, and janitorial services are no exception. Excess Liability provides coverage for a business beyond the typical limits of standard liability insurance policies and can help protect against potential financial losses from major lawsuits or liabilities. This type of insurance will serve as an extra layer of protection, which can be especially beneficial to janitorial businesses with high exposure to losses. Excess Liability can also provide an extra veil of security when it comes to taking on new clients and tackling larger cleaning projects. It's always wise to have adequate financial protection in place, and Excess Liability insurance is definitely something that owners of janitorial businesses should consider.

Workers' Compensation

Workers' Compensation insurance is essential for a janitorial business, as the nature of the profession increases the workers’ risk of physical injuries. Workers' Compensation coverage provides financial security to both the employees and employers in cases where an employee is injured on the job or develops an occupational illness. In addition to providing necessary medical attention, Workers' Compensation insurance also helps cover legal fees, lost wages, and costs associated with rehabilitation or retraining if needed. It is important that businesses review their Workers' Compensation policy annually to ensure it adequately covers their needs. An up-to-date Workers' Compensation policy can save a lot of problems down the line and should always be part of any janitorial business checklist.

Get a Quote Today!

Janitorial businesses that do not have appropriate insurance coverage can find themselves at a tremendous financial risk. Here we highlighted 6 business insurance solutions that help janitorial businesses protect their operations, property, and employees. From General Liability to Workers’ Compensation, these policies are necessary for your janitorial business in order to protect yourself against potential claims of goods damaged, products lost, and injuries acquired on the premises. Whether you choose to invest in one or all six of the options discussed, you can rest assured that your business and its contents are covered accordingly. When considering business insurance for your janitorial services, be sure to contact your local insurance agent to get a quote. Investing in your future today will give you peace of mind tomorrow!