Building maintenance refers to all tasks necessary for keeping a building functional and livable. If you offer any of the following services, you’ll need Building Maintenance Insurance:
Janitorial services - Includes cleaning common areas, vacuuming and mopping the floors, emptying the trash and washing the windows.
Waste collection services - Includes providing hygienic, efficient and economic solid waste collection for treatment or disposal. It includes the collection of solid waste - for recycling or incineration - and liquid waste destined for chemical-physical or biological treatment.
Carpet and Upholstery Cleaning services - Includes the removal of dirt to ensure carpets and rugs continue to look their best while extending their lifespan.
General Liability insurance covers property damage if an employee causes property damage on the job. It also covers bodily injury if their actions cause someone else’s injury.
Example... An employee accidentally knocks over and damages an expensive piece of equipment belonging to your client. General Liability Insurance will cover the cost your business will incur from a claim.
Workers Compensation protects your employees in the event of a work-related illness or injury. They give up the right to sue you in exchange for receiving Workers Comp to cover their medical bill and lost wages while recovering.
Example... An employee slips and falls on the job injuring a leg. Workers Compensation covers their medical costs and lost wages.
Commercial Auto Insurance will cover your company vehicles if they’re involved in a road accident.
Example… On the way back from a job, your company truck collides with a motorcyclist, leading to their injury and damage to their motorbike and your truck. Commercial Auto cover their medical bill and repair costs for both vehicles involved.
Business Owners Policy is for building maintenance professionals who want to package their General Liability and Commercial Property insurance into one policy at a lower cost.
Example… While removing liquid waste from a building, the chamber breaks leading to spillage on the floor with some employees falling ill. BOP cover their medical fees, your legal fees, and repair costs.
Umbrella Policy adds an extra layer of protection to building maintenance professionals if a serious event or cumulative claims exhaust current policy limits.
Example… During waste collection, a spillage from your equipment causes serious harm to employees at your client’s building. Their cumulative claims exhaust the limits of your GL policy. An Umbrella policy will pick up the rest.
The costs for each insurance product are almost always dependent upon the number of employees that are covered under the policy, as well as other risk factors. Certain businesses are more likely to make a claim, and this will have a direct effect on premium costs.
Get a quote for the type of insurance you are looking for.
Of course, giving enough training and ensuring that you and your workers adhere to all standards might assist you in avoiding certain circumstances. Accidents do happen, and crises do happen, no matter how well-trained your personnel is or how strictly you follow processes.
You may be held accountable if they do so. Repairing or rebuilding damaged property, as well as medical expenditures, may be extremely expensive. You'll also have to cope with legal expenditures if a client or employee files a lawsuit.
The bottom line is that if something goes wrong, you might be liable for some significant costs, the expense of which could put you out of business.
Owing to the absence of public access to the building cleaner's premises, premises liability risks are minor, but substantial away from the premises due to dangers on the job site.
Because of damp, slippery flooring, spills, and equipment and supplies limiting access, there is a risk of slip and fall injuries to the client's staff or customers when cleaning building interiors.
Spills, marring, scraped surfaces, and the upset or falling of breakables all pose a danger of harm or property damage to consumers.
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