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Make sure your building maintenance business is protected with our building maintenance insurance products and service. Whether you’re a small business in need of extra coverages or a larger organization looking for broad coverage, working with us will help you find the right coverage for your needs.
Includes cleaning common areas, vacuuming and mopping the floors, emptying the trash and washing the windows.
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.
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 covers your business' legal defense costs.
Workers Compensation protects your employees in the event of a work-related illness or injury.
Example... An employee slips on a wet floor and injures their leg. They give up the right to sue you in exchange for receiving Workers Comp to cover their medical bills and lost wages while recovering.
Commercial Auto Insurance covers your company vehicles if involved in a road accident.
Example... On the way back from a job, your company truck collides with a motorcyclist, leading to injury and damage to their motorbike and your truck. Commercial Auto covers their medical bills and repair costs for both vehicles.
Umbrella Policy adds an extra layer of protection to building maintenance professionals if a serious event or cumulative claims exhaust current polcy limits.
Example... During waste collection work, a spillage from your equipment causes serious harm to employees working at your client's building. Their cumulative claims exhaust the limits of your GL policy. An Umbrella Policy will pick up the rest.
Want to know more about your specific service?
How much does building cleaning and maintenance insurance cost?
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.
Why do building cleaning and maintenance services need insurance?
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.
What are the most common risks & exposures for professionals in building cleaning & maintenance?
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.