Deodorization services identify and permanently eliminate offensive odors in homes, businesses, offices, and restaurants. Deodorization services are often needed after fires, smoke buildup, floods, sewage overflow, and to remove cigarette odor from a home before it is sold.
If you own and operate a deodorization service, you’re concerned about worker injuries, property damage, and lawsuits that can threaten your assets and the long-term financial strength of your business. Deodorization service insurance can help you mitigate your risks and protect your business.
Why Do You Need Deodorization Service Insurance?
Deodorization services provide an essential service for many businesses and homeowners. You help remove offensive or harmful odors, and restore homes and businesses to pleasant and safe environments.
Unfortunately, a lot can go wrong in the course of your work.
You can cause physical damage to the homes or businesses that you’re working in. Customers or members of the public can trip over your equipment and be injured. Your employees can be accused of theft or incomplete work. And your equipment can be damaged while on the job or inside of your shop or warehouse.
You need deodorization service insurance to protect you when costly problems arise, including these issues below.
- Causing bodily injury or property damage during deoderization
- Claims of false advertising, slander, or libel
- Employee theft or crime from you or from a customer
- Data breach or other cyber incidents
- Employee illness or injury
- Fire, storm, burglary, or vandalism
When you work with an experienced independent insurance agent, he or she can find insurance companies who specialize in covering businesses like yours. You likely need a variety of property and liability insurance policies in order to be sure that you are protected.
General Liability Insurance for Deodorization Services
Commercial general liability (CGL) insurance: This offers broad protection for a wide variety of negligence claims and lawsuits. In general, it offers coverage if you or an employee causes an injury or property damage to a third party (e.g., a customer in her home, an employee of a commercial client, any member of the general public).
Some clients may require proof that you have CGL coverage before they will work with you.
Causing injuries and property damage is not uncommon as your employees work with various equipment, cleaning agents, and chemicals. Imagine that someone falls and breaks an ankle after tripping on one of your large vacuum hoses after you took no precautions to minimize the trip and fall danger. You’d be responsible for medical bills for the injured person. And if the person sues you, you’ll be on the hook for legal fees and maybe even a court-ordered financial settlement or judgment.
Your CGL policy would respond and provide coverage for the injuries or property damage, and it would help cover your legal fees and any financial restitution that you have to pay to the injured party.
Your deodorization service insurance package may contain the following additional types of liability coverage as well.
- Cyber liability insurance: This provides coverage in the event of a data breach involving your business. It helps pay for the costs of notifying affected clients, as well as public relations and investigation costs, and more.
- Commercial umbrella insurance: This provides supplemental liability protection beyond the limits of certain other liability policies. This policy can be invaluable for that once-in-a-lifetime judgment rendered against you.
- Employment practices liability insurance: This covers you if an employee sues you for discriminatory employment practices.
Property Insurance for Deodorization Services
You likely have owned or leased office space or warehouse space where you perform administrative tasks and store all of your equipment and supplies. Your physical space likely serves as a home base for your workers. It is likely filled with valuable furniture, computer equipment, and other commercial property that is susceptible to theft, vandalism, fires, storms, and certain other causes of loss.
Commercial property insurance: This protects buildings and their contents, including computers, office equipment, furniture, and all of your commercial property (whether it is owned or leased) if it is damaged by fire, smoke, theft, vandalism, or some other covered peril.
If you sustain damage that forces you to temporarily close or relocate, business interruption coverage will reimburse you for ongoing expenses (rent, salaries, etc.) and lost income during the closure or relocation period.
You may also need additional property coverage for your business. Talk to your independent insurance agent about your need for the following.
- Flood or hurricane insurance: Your basic commercial property policy does not cover flood or hurricane damage. Talk to your agent about flood and hurricane insurance if you're located in an area that is prone to these events.
- Employee crime and dishonesty coverage: This protects your business from the costs of theft, dishonesty, and fraudulent acts committed by an individual employee or a group of employees. It provides coverage for forgery, alteration, theft, unauthorized electronic funds transfers, credit card fraud, computer fraud, money order fraud, and counterfeit fraud.
- Inland marine insurance: This covers tools, equipment, and supplies as they are in transit. This may mean cleaners, vacuums, cleaning solutions, and any other tools, supplies, or equipment used by your employees as they work and as they are transported from job to job.
Why Do You Need Commercial Auto Insurance?
If you own a van or other types of commercial vehicles to transport deodorization supplies or equipment from job to job, those vehicles must be covered with commercial auto insurance. If one of your drivers causes an accident, it covers bodily injury and property damage that the driver is at fault for.
Commercial vehicle insurance covers your cars, trucks, and any other vehicles you use for business. In addition to liability coverage, it provides collision, comprehensive, and uninsured motorist coverage.
Your commercial auto insurance can be tailored to your needs, and your coverage and premiums will be based on how your vehicles are used and who drives them. Each vehicle owned by your business or used for business purposes can be listed separately on your business auto policy, with corresponding coverage for each vehicle that can differ depending on the vehicle’s characteristics and the coverage it requires.
Why Is Workers’ Compensation Insurance Important?
Your employees work with various chemicals and cleaning agents, and use a wide variety of tools and equipment to perform their work. And they can also work in a wide variety of environments, from office buildings to factories, warehouses, restaurants, and more — each coming with its own set of risks for your employees.
If one of your employees gets injured while on the job, you’re responsible for paying for his or her medical expenses. What’s more, he or she may not be able to work until fully recovered, leaving the employee without his or her income.
Workers’ compensation insurance protects your employees and your business from the costs associated with work-related injuries and illnesses. It provides coverage for medical care and income protection for an injured worker while he or she is unable to work. Workers’ compensation insurance also helps protect employers from lawsuits by injured employees.
What Is a Surety Bond?
Your employees may have unfettered access to your clients’ office spaces, other commercial properties, and private homes, often during non-business hours or when other people are not around. Businesses like yours are often accused of theft or other wrongdoing while they are working.
That’s where surety bonds come in. A bond is not an insurance policy, but it helps you cover the damage if one of your employees is accused of theft of property or money from one of your customers.
A surety bond directly reimburses a client for the loss if an employee steals money while working in a home or business. Even if your employee is innocent, the bond will reimburse a client who accuses an employee of theft.
Your clients might request that your business is “bonded and insured” before offering you a contract for work. In addition to offering financial protection for your clients, having a surety bond in place helps you establish credibility and ensure your clients and potential clients that you are an honest and trustworthy company to do business with.
How Much Does Deodorization Service Insurance Cost?
Your costs for deodorization service insurance will vary depending on the unique characteristics of your business, such as the location, the number of employees, the value of your commercial property (building plus contents), whether or not you own your building, how many vans or commercial vehicles you own and operate, and most importantly, the type of services you provide.
The amount of coverage you need and the deductibles you choose also impact your insurance costs.
Find and Compare Quotes
An independent insurance agent can work with you one-on-one to determine the types and amounts of coverage you need. Your agent can get quotes from multiple insurance companies so you can evaluate the cost and coverage options and make the best choice.
Benefits of an Independent Agent
Our agents simplify the search process for finding the right deodorization service insurance. They’ll walk you through the handpicked policy options and explain the details and options.
Most importantly, they’ll be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.
The Lowdown on Online Quotes
Online quotes can be tempting. They are fast and easy to get — but are they accurate? And are you getting quotes for the right coverage? For business owners, choosing speed over accuracy can cost you.
Online quotes can’t and don’t see the whole picture. They can omit important coverage that will leave you devastated if something unexpected happens. And they can leave out cost-saving opportunities that an agent can help you take advantage of.
Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs.
TrustedChoice.com Article | Reviewed by Paul Martin
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