Why Do You Need Insurance for your Cleaning Business?
Janitorial Insurance – safeguards your small or large cleaning business against liability for unexpected accidents, and property damage. Adequate Janitorial 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.
Janitorial Services product provides comprehensive coverage for the unique exposures faced by today’s residential and commercial contractors. All coverages can be provided by a single policy.
What Does Janitorial Insurance Policy Cover? (Claim Examples)
- Bodily Injury: The insured is a janitorial subcontractor who was contracted to perform janitorial services to a chain of supermarkets. The janitorial employee was cleaning the floor prior to the store opening for the day. A delivery person walked into the store and slipped on a wet floor breaking his hip. The insured was found negligent for not placing a warning “slippery when wet” sign and proper warning cones around the area being mopped. The claimant incurred medical bills of $32,000 and eighteen months of lost wages. He filed a lawsuit against the building owner who joined the insured janitor as a co-defendant in the lawsuit. The policy provided coverage for the lawsuit and contributed $250,000 to a $500,000 claim settlement
- Property Damage: You were transporting a carpet cleaning machine to a client’s apartment suite and the machine leaked oil onto the marble tile floor and oriental rugs in the apartment main lobby. Your policy covers the clean-up and restoration costs to the floor and rugs.
- Contractors Equipment Floater: You keep a piece of your equipment in the hallway of your client during the day. One afternoon a fire occurred in the hallway that destroyed your vacuum cleaner. This coverage can replace the vacuum cleaner.
- Rental Reimbursement: Your use a specialized piece of waxing equipment to clean your client’s floors. One of your employees forgot to place the machine back into his car trunk and backed over it when pulling out of the client’s parking lot. You need to lease a machine until yours could be repaired. This coverage can reimburse you for the cost of rental.
- Property Damage Extension: Your employee was using a steel wool scrubber on a client’s custom shower door. This action resulted in multiple scratches in the door that could not be removed, requiring replacement of the shower door. The cost to replace the door was $1,200. This coverage can cover this claim.
- Lost Key: You keep all of your client’s keys on one key chain and you lost the key ring requiring you to pay the cost to replace all the locks at each of each client’s premises totaling $3,500. This coverage can cover this cost.
- Employee Theft of a Customer’s Property: A part-time employee stole a watch and wedding ring from a customer while cleaning their residence. This coverage can pay to replace the stolen watch & ring.
Additional Product Features:
- Independent contractors can be covered with up to 25 percent of total receipts
- Blanket additional insured available for commercial janitorial contractors
- No liability deductible
- We can consider floor waxing exposures up to 50 percent of total operations
- Commercial umbrella up to $5,000,000
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.
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.
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 Is Workers’ Compensation Insurance:
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.
Ph: (714) 453-0700
421 South Main St
Orange, CA 92868