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Comprehensive Protection for Your Janitorial Business
Janitorial businesses perform their work at locations outside their own offices, creating a unique set of risks and plenty of opportunities for financial losses. Whether your cleaning business has five employees or 50, they may be traveling to the job site in their own vehicles or those your business owns, working odd hours in empty buildings, handling valuable customer property, and coming into contact with a wide range of hazards. In this business, you’re always one car accident, slippery floor or broken sculpture away from a lawsuit or costly expense you didn’t budget for.
That’s where we come in. Business Insurance Now specializes in affordable, comprehensive insurance coverage for janitorial and other cleaning businesses, helping your business thrive in the face of everyday risk.
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Covered Specialties
Available Coverage
General Liability Insurance. General liability insurance protects your cleaning business against the high legal costs of bodily injury and property-related lawsuits: for example, if your client’s employee is injured after slipping on a wet floor. Our general liability policies go beyond liability coverage, also paying for damage to others’ property you might accidentally damage while cleaning. We can even offer coverage to replace lost client keys and/or install new locks if one of your employees loses a client’s master keys. Coverage also extends to your own offices, should visitors allege that bodily injury or property damage occurred there. Optional coverage is available for accidental pollution or environmental damage, and umbrella coverage is available to extend your coverage limit up to $15 million.
Property Coverage. Janitorial and cleaning businesses typically store cleaning equipment and supplies, including flammable chemicals that could pose a fire hazard. Property insurance protects your office and storage areas against loss from fire, theft and certain other situations, along with all of the equipment and supplies your business relies on. Property insurance also covers your clients’ property that is in your care, custody or control, including employee damage to client-owned vacuums or floor cleaning equipment, electrical systems, draperies, carpeting, furnishings, and breakable objects. We even offer coverage for employees’ tools, equipment breakdown, and contract penalties when work can’t be completed due to damage to your equipment. We also offer dependent properties coverage which replaces lost income if you temporarily lose a client when the client’s building is closed due to a covered loss.
Building Cleaning and Maintenance Service Contractors Endorsement. Designed just for businesses like yours, this optional add-on to your property insurance policy covers your business personal property against loss, theft or damage, when it is in-transit or at another location outside your office. It also adds $25,000 of basic business income at scheduled premises you select, along with coverage for employee theft, forgery and alterations, and money and securities.
Request a quote now. We'll typically get back to you in 24 hours or less, and we can start your coverage immediately.
Not sure what you need? We can help. Contact Business Insurance Now today for a free, no-obligation consultation with one of our licensed janitor insurance experts. We are available from 8:30 a.m. to 6 p.m. Central Time, Monday through Friday. Call us toll-free at (800) 655-1714, or e-mail a Business Insurance Now agent.
Tips to Reduce Liability for Janitors
- Use a checklist at the end of every job to ensure that all work is complete and that the building has been properly locked and secured.
- While it’s important to stay in touch with your employees in the field, driving and mobile phones don’t mix. Even if talking on a phone while driving is legal in your service area, consider providing hands-free headsets to all employees or establishing a “no calls while driving” policy.
- Ask clients to lock up or relocate rare, valuable or fragile items before your team begins work. Instruct employees in proper procedures for cleaning and handling equipment around such items to minimize opportunities for breakage.