Parking Lot and Garage Cleaning Service Insurance

Parking Lot and Garage Cleaning Service Insurance

An inside guide to selecting proper business insurance

Parking garage sweeper cleans dirt with a round brush. Find parking lot and garage cleaning service insurance.

Parking lot and garage cleaners work with corporate properties to remove oil, dirt, and grime from parking lots and garages through a specialized scrubbing service. As a business owner, business insurance is the only way to protect your company and your livelihood from potential losses. 

An independent insurance agent is an expert in finding business insurance for all types of businesses. They'll work with your parking lot and garage cleaning service to make sure you're protected long before you need it.

Why Do Parking Lot and Garage Cleaning Services Need Insurance?

Businesses are susceptible to damage from unexpected weather, accidents, and unforeseen professional errors or employee injuries. As a business that uses vehicles, machinery, and cleaning materials to operate, parking lot and garage cleaning services need special coverage against the following potential risks.

  • The warehouse where you store your inventory, equipment, and materials catches on fire leaving you unable to continue operations and needing to replace your equipment.
  • An employee is injured while cleaning a parking lot and needs medical assistance.
  • A customer slips and falls on your premises and sues your company for associated costs.
  • The chemicals used to degrease the parking lot spill causing property damage and potential air quality risks.
  • An employee accidentally hits a car parked in the parking lot while cleaning. 

Business insurance helps pay for losses related to these events and other unexpected claims that may arise.

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What Does Parking Lot and Garage Cleaning Service Insurance Cover?

Parking lot and garage cleaning services need basic liability and property insurance to protect against common risks. In addition, you can work with your agent to add specialized coverage that meets the specific needs of your business. 

For basic coverage, parking lot and garage cleaning services need the following coverages.

  • Commercial general liability (CGL) insurance: CGL pays for customer or third-party injuries or property damage that occur on your premises or on a job site. This could be a slip and fall at your warehouse or if a cleaner accidentally wipes out someone's side view mirror. It will pay for medical bills, legal fees, and repair and replacement costs of property.
  • Commercial property insurance: This pays for any damage that is done to your business property. This includes buildings, office equipment, machinery, inventory, and other property that you use to operate your business. It will pay for claims related to vandalism, fire, severe storm, and other similar perils. 
  • Business interruption insurance: If your warehouse catches on fire and you lose access to your scrubbing equipment, you may have to temporarily cease operations. Business interruption insurance pays for costs like mortgage, rent, salaries, and utilities while you work to reopen your business.
  • Commercial auto liability insurancePays for accidents and damage that occurs to company-owned vehicles that are being operated by employees for business purposes. Should an employee get in an accident on the way to or from a job or cause property damage, auto liability will pay for the expenses.

In addition to basic coverages, parking lot and garage cleaning services can benefit from specialized insurance coverages.

The Importance of Specialized Inland Marine Insurance

Parking lot and garage cleaning services use a variety of vehicles and machinery to operate their business. Perhaps the most important piece of machinery is a street sweeper. Even though a street sweeper is technically an automobile, multiple types of insurance are necessary to fully cover the vehicle.

While auto insurance will cover any liabilities associated with sweepers, a contractors' equipment policy is needed to cover any physical damage that may happen. Contractors' equipment policies are a specialized type of inland marine insurance that your agent can help you purchase.

With inland marine insurance, you receive coverage for any damage that your materials or equipment experience while in transit. Adding the contractors' equipment coverage allows you to ensure that specific equipment, like sweepers, are fully covered. 

Parking Lot and Garage Cleaning Services Need Pollution Insurance

In order to scrub parking lots and clean garages, you need to use heavy degreasers. Those types of chemicals can result in pollutants being released into the air. 

Depending on the size and location of your project, citizens could complain about the pollutants being released into the air during your work. You could also have an accident and spill degreaser on a client's property.

Should either of these happen, you'd be liable for any associated costs. These types of claims are typically excluded from general liability and property damage coverage. To be protected, you need to purchase pollution coverage

Pollution coverage helps pay for any claims related to bodily injury, property damage, cleanup costs, and business interruption.

Additional Business Insurance Coverages to Consider

If your business is at risk for other potential losses, your agent can help you purchase additional coverages to fit your needs. Here are some policies to discuss with your agent.

  • Workers’ compensation insurance: Required in most states, workers' compensation pays for any costs related to employee illness or injury that occurs on the job. It will even pay for lost wages if the employee cannot immediately return to work.
  • Flood insurance: Damage by flooding by natural waters is excluded in general property insurance. If your warehouse is located in a flood zone or at risk of flooding, then you'd want to purchase flood insurance.
  • Equipment breakdown insurance: It takes a variety of equipment and machinery to run a business. Should your HVAC system or other equipment break down, then this coverage will help pay to repair or replace it.
  • Professional liability insurance: Should a customer claim that your company did poor work or left materials in a garage that caused an injury, you could be sued for professional liability. 

How Much Does Parking Lot and Garage Cleaning Service Insurance Cost?

Insurance premiums vary based on business needs and a number of additional factors. The most common details that impact rates include the deductible, policy limits, and the number of policies that you need. In addition, carriers will consider things like the following factors.

  • Business location
  • Materials used
  • Number of employees
  • Local crime rates
  • Potential weather risks

Your agent can work with you to save money where possible on your business insurance premiums.

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The Benefits of an Independent Insurance Agent

Independent insurance agents understand the variety of coverages you need to protect your parking lot and garage cleaning service company. They've worked with similar businesses and know how to navigate the multitude of coverage options.

In addition, agents are not tied to a single carrier. They have experience working with several different insurance companies so they know which one will best meet your needs and be convenient to work with.

Should you need to file a claim, your agent will be there to assist. They're available whenever you need them to review or upgrade your insurance package. 

Compare Quotes for Parking Lot and Garage Cleaning Service Insurance

Online quotes can miss important coverages for your business. Skip the hassle of shopping online and work directly with an independent insurance agent today.

Agents will talk with you, one-on-one, and provide customized insurance quotes for your parking lot and garage cleaning service business. They'll then help you determine the best coverage for your business.

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TrustedChoice.com Article | Reviewed by Paul Martin

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