Exterior Building Cleaning Service Insurance

Finding the Best Exterior Building Cleaning Service Insurance

How business insurance protects your livelihood

Exterior Building Cleaning Service

Exterior building cleaning involves a work crew using various tools and equipment to clean building exteriors, including homes and businesses. This may include power washing, softwashing, window cleaning, concrete cleaning, roof cleaning, rust removal, and other services. 

If something goes wrong while you’re working on someone’s home or on a commercial business, the consequences can be extensive. That’s why you should consider exterior building cleaning service insurance to help you mitigate your risks and protect your business.

A local independent insurance agent can help you assess your risks and find the right business insurance policies that are tailored to your industry.

Why Do You Need Exterior Building Cleaning Service Insurance?

Exterior building cleaning service insurance protects your business from certain types of losses. If, for example, you damage a client's property during the course of your work, it could cost you thousands of dollars to make repairs or replace what you’ve damaged.

And if someone sues you after you cause an injury or property damage, you’ll have to pay for your own legal fees and more, in order to defend yourself. A lawsuit could financially devastate your business, and could even result in bankruptcy.

You also face property losses (losses to buildings tools, equipment, and other valuable commercial property) from a variety of sources, including fire, theft, severe weather, and vandalism.

Exterior building cleaning service insurance helps you protect your business from a variety of devastating losses.

business

Save on Business Insurance

Our independent agents shop around to find you the best coverage.

General Liability Insurance for Exterior Building Cleaning Services

Commercial general liability insurance protects you against any third-party injuries or property damage that you cause. It protects you from having to pay out of pocket for damage, medical expenses, or legal fees if your services happen to cause damage to any of the homes or businesses that you work on, or if you injure someone. It offers broad protection for a wide variety of negligence claims and lawsuits.

Your exterior building cleaning 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, as well as public relations and investigation costs, and more.
  • Commercial umbrella insurance: 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.

A local independent insurance agent can help you tailor these policies to your needs.

Property Insurance for Exterior Building Cleaning Services

Commercial 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 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: A 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 funds transfers, credit card fraud, computer fraud, money order fraud, and counterfeit fraud.
  • Inland marine insurance: Covers tools, equipment, and supplies as they are in transit. And if any of your tools are stolen from a job site, inland marine insurance will cover the cost of replacing the tools.

Ask an independent insurance agent about which exterior building service insurance policies are right for you.

business

Save on Business Insurance

Our independent agents shop around to find you the best coverage.

Commercial Auto Insurance for Exterior Building Cleaning Services

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.

Workers’ Compensation Insurance for Exterior Building Cleaning Services

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.

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.

How Much Does Exterior Building Cleaning Service Insurance Cost?

Your costs for exterior building 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 or not you own your building, and how many vans or commercial vehicles you own and operate.

business

Save on Business Insurance

Our independent agents shop around to find you the best coverage.

Benefits of an Independent Agent

An independent insurance agent who has experience working with exterior building cleaning services and other similar businesses can help you decide the types and amounts of coverage that you need for your business. The choices you make will determine your cost of coverage.

Independent agents can work with numerous, reputable insurance companies who specialize in your type of business. Together you can review a variety of proposals and choose the best mix of coverage that meets your needs and budget.

What’s more, your agent will 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.

Find and Compare Quotes for Exterior Building Cleaning Service Insurance

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.

Your agent will work with you free of charge to get quotes from multiple insurance companies so you can make the best choice.

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.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn

TrustedChoice.com Article | Reviewed by Paul Martin

©2021, Consumer Agent Portal, LLC. All rights reserved.