Commercial cleaning services provide cleaning and janitorial services to businesses, offices, restaurants, and a wide variety of other commercial locations. These companies perform a wide range of activities, and also face a wide range of risks that can be devastating.
If you operate a commercial cleaning service, injuries to workers, property damage, and lawsuits can threaten your assets and the long-term financial strength of your business. Commercial cleaning service insurance can help you mitigate your risks and protect your business.
You need an experienced independent insurance agent to help you assess your risks and find the right business insurance policies from highly rated insurers that specialize in commercial cleaning companies.
Why Do You Need Commercial Cleaning Service Insurance?
Commercial cleaning services provide an essential service for a wide variety of businesses. You help employers provide a safe and sanitary workplace and a pleasant place for their customers to visit. But a lot can go wrong in the course of your work, too.
If you’re cleaning during work hours, someone can slip on a wet floor or trip over a vacuum cord and get injured. Your employees can be accused of theft or incomplete work. Your equipment can be damaged while on the job or inside your shop or warehouse.
You need commercial cleaning service insurance to protect you when costly problems arise, including:
- Causing bodily injury or property damage during cleaning
- Claims of false advertising, slander, or libel
- Employee theft or crime from you or from a customer
- Data breaches or other cyber incidents
- Employee illness or injury
- Fires, storms, burglary, or vandalism
When you work with an experienced independent insurance agent, they can find insurance companies that specialize in covering commercial cleaning businesses. You are likely to need a variety of property and liability insurance policies in order to be sure that you are protected.
General Liability Insurance for Commercial Cleaning Services
Commercial general liability (CGL) insurance 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, an employee of a business that you clean, or 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, since your employees clean carpets, wax floors, operate cleaning equipment, and work with toxic chemicals. Imagine that someone falls and breaks an ankle after one of your employees just waxed a floor, but failed to place a caution sign or rope off the area to alert people to the danger. You’d be responsible for medical bills for the injured person, and if they sue 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 commercial cleaning service insurance package may contain the following additional types of liability coverage, as well:
- Cyber liability insurance provides coverage in the event of a data breach involving your business. It helps pay for the costs of notifying affected clients, public relations and investigation costs, and more.
- Commercial umbrella insurance, or excess liability coverage, 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 covers you if an employee sues you for discriminatory employment practices.
Property Insurance for Commercial Cleaning Services
You probably have owned or leased office space or warehouse space where you perform administrative tasks and store all of your cleaning equipment and supplies. Your physical space is likely to serve as a home base for your professional cleaners. It is probably filled with valuable furniture, computer equipment, and other commercial property that is susceptible to theft, vandalism, fires, storms, and certain other causes of loss.
Business property insurance 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 perils.
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 commercial cleaning service. 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 live in an area that is prone to these events.
- Employee crime and dishonesty coverage: 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 fund transfers, credit card fraud, computer fraud, money order fraud, and counterfeit fraud.
- Inland marine insurance: Covers tools, equipment, and supplies when they are in transit. For a commercial cleaning service, this may mean steam cleaners, mops, buckets, cleaning solutions, vacuums, and any other tools, supplies, or equipment used by your employees as they work and as they are transported from job to job.
Commercial Auto Insurance for Commercial Cleaning Services
If you own a van or other types of commercial vehicles to transport cleaning supplies and 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 for commercial cleaning companies 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.
If you have salespeople or cleaners who drive personal vehicles for business purposes, talk to your insurance agent about your need for non-owned auto liability insurance.
Workers’ Compensation Insurance for Commercial Cleaning Services
Accidents involving your workers can happen at any time. They work with toxic chemicals, walk over wet or freshly waxed floors, 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 cleaning service employees.
If one of your employees gets injured while on the job, you’re responsible for paying for their medical expenses. What’s more, they may not be able to work until fully recovered, leaving them without an 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 injured workers while they are unable to work. Workers’ compensation insurance also helps protect employers from lawsuits by injured employees.
Each state has workers’ compensation insurance laws. Most states require nearly every business that has employees to provide this coverage. Your state’s workers’ compensation statutes determine the amount of benefits injured workers are entitled to, which impairments or injuries are covered, how those impairments will be evaluated, and how medical care will be delivered.
What Is a Janitorial Bond?
Your employees may have unfettered access to your clients’ office spaces or other commercial properties, typically during the evening or non-business hours when other people are not around. Cleaners are often accused of theft or other wrongdoing while they are working.
That’s where janitorial bonds come in. A janitorial bond is a type of surety bond. It is not an insurance policy, but it helps you cover damages if one of your employees is accused of theft of property or money from one of your customers.
A janitorial 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 janitorial bond will reimburse a client who accuses an employee of theft.
Your clients might request that your commercial cleaning service be “bonded and insured” before offering you a contract for work. In addition to offering financial protection for your clients, having a janitorial bond helps you establish credibility and reassure your clients and potential clients that you are an honest and trustworthy company to do business with.
How Much Does Commercial Cleaning Service Insurance Cost?
Your costs for commercial cleaning 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 you own your building, how many vans or commercial vehicles you own and operate, and most importantly, the type of services you provide.
If you offer more risky services (e.g., outdoor window cleaning), you’ll probably pay more than a cleaning service that only cleans bathrooms and vacuums.
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 Insurance Agent
Independent insurance agents simplify the search process for finding the right commercial cleaning service insurance. They’ll walk you through some 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 leave out 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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