Janitorial Insurance Explained

 

If you are the owner of a janitorial business (also called “cleaning business”) then you most likely already have business insurance coverage. Usually a good business insurance policy covers important parts of your company like building liabilities, on-site injury liabilities, and workers’ compensation. But this coverage may not keep you and your finances as secure as you think. Sometimes there are aspects of your work in the janitorial business that may not be covered under a general liability policy. That’s why it’s important to obtain a good janitorial insurance policy to take care of those things that are specific to your type of work.

Janitorial Insurance Quote

 

What’s covered?

Equipment- In the event that your equipment malfunctions or gets damaged, coverage will help cover the cost for repairs or replacement.

Property Damage- If an employee damages any property belonging to a client while on the job, your cleaning business insurance will cover the costs to fix damages so you don’t have to come out of pocket.

Errors and Omissions- If you make a mistake or the customer is not satisfied with your work, this coverage will pay for the cost of any refund.

Employee Theft- If an employee steals equipment or anything important from your business, this coverage will fund the replacement of the stolen items.

Business Interruption- In case of any natural disaster that prevents your company from operating, this policy will cover income lost during the interruption.

Important Data and Files- Every company should store important information digitally and in hard copy. If there is a reason that any information is destroyed or lost, this coverage will cover the costs accrued by the losses.

Buildings and Contents- Janitorial business are required to keep a home office. In cases where the office and everything on the inside is destroyed by fire, your janitorial business insurance can cover the cost of losses.

If you’re running a janitorial cleaning business, take the extra step and go beyond your standard general liability coverage. Janitorial insurance will take care of the more important aspects related to your company while protecting your finances. If you’re interested in getting a policy, go online and get a janitorial insurance quote.

 

Janitorial Insurance Quote