Why Janitorial Services Need Insurance
A janitor is a person whose primary responsibility is to clean buildings such as hospitals, schools, and office buildings. In some cases, however, a janitor will also carry out security and maintenance duties.
Owning a janitorial services business or thinking about starting a cleaning business comes with many responsibilities including providing cleaning services, employing trustworthy individuals, and managing daily activities. Whether you clean hospitals, nonprofits, or offices, you face potential dangers in your janitorial or cleaning business that leave you open to lawsuits and claims. Having the right janitorial insurance protects you from these costly lawsuits. Most of your customers will want to know if you are licensed and bonded before hiring you.
Risks Janitorial Services Could Face
- Auto Accidents. If your janitorial cleaning business has a company fleet that employees use to travel to jobs or if they use their personal vehicles, you risk vehicle accidents. Whether you damage just your vehicle or somebody else’s property, the expenses can quickly add up.
- Property Damage. The use of cleaning chemicals and equipment are common. If an employee spills chemicals or breaks a window, your janitorial cleaning business is responsible to pay for it. If either of these causes the business to shut down temporarily, they can file a lawsuit for lost revenue.
- Employee Theft. Having access to business property and valuables opens the door to temptation. If an employee steals from your customers, they can sue you because you are responsible for their actions.
- Injury. Whether an employee is injured or a third-party falls on a wet floor, you are expected to pay medical expenses and lost wages for time off of work. If you don’t have the right insurance, they can file a lawsuit to collect payment.
- Broken Equipment. Equipment is how you get your cleaning activities completed daily. If a machine breaks down and forces you to close temporarily, the bills won’t stop.
Types Coverage that Janitorial Services May Need
Whether you are experienced or just researching how to start a cleaning business or how much does it cost, insurance and bonding is a top priority. There are several insurance and bonding options you should consider including general liability, commercial property, and fidelity bonds. If you offer cleaning advice, professional liability is a good addition to your janitorial insurance portfolio.
- General Liability: This insurance pays any costs that arise from third-party injury or property damage as well as the cost to defend any lawsuits.
- Commercial Auto: Pays to fix your vehicle after an auto accident and cover damages you caused to another person’s property.
- Commercial Property: Includes coverage for your building and business property if it is damaged, destroyed in a fire, stolen, or vandalized. Many businesses add loss of business income to cover fixed expenses if they have to close temporarily during repairs.
- Fidelity Bond: Often overlooked in small business insurance, fidelity bonds are valuable. They cover your business when an employee steals from you or one of your customers.
- Equipment Breakdown: Equipment breakdown is a smart small business insurance choice. It pays the costs associated with your equipment breaking down including lost revenue, the cost to repair and rent temporary equipment.
How much does it Cost to Get Janitorial Services Insurance?
As a janitorial or cleaning business, it may be difficult to find small business insurance. Every carrier looks at your risks differently. The majority will want to know insurance and bonding claims history, when did you start a cleaning business and safety protocols for your employees. If you are ready to find out how much does it cost to get small business insurance, fill out the form below.