October 25, 2024
Dorsal Insurance
Janitorial Insurance
Why do Janitorial Businesses need Insurance?
Janitorial business insurance helps cover expenses if a client slips on a wet floor, or a janitor drops a valuable item. It’s a must-have in a profession where employees work in homes and offices, and handle client property.
What types of business insurance do janitors need?
These insurance policies cover common risks faced by janitorial businesses and commercial cleaning companies.
- General liability insurance
This liability insurance policy provides financial protection against basic risks, such as client injuries or property damage during cleaning. Add lost key coverage for more complete protection.
- Workers’ compensation insurance
Most states require workers’ comp when you hire your first employee. It also protects sole proprietors from work-related medical costs that health insurance might deny.
- Commercial auto insurance
This type of insurance covers injuries and property damage in an accident involving a janitorial company’s vehicle. It also covers vehicle theft, vandalism, and weather damage.
- Business owner’s policy
A business owner’s policy (BOP) is a cost-effective way for a small business to purchase general liability insurance and commercial property insurance together.
- Commercial umbrella insurance
- Commercial umbrella insurance boosts the policy limits on a janitorial business’s general liability, commercial auto, and employer’s liability insurance.
- Janitorial bonds
Janitorial bonds are a type of surety bond that protect your clients from financial loss. They provide reimbursement if a janitor steals money or property from a client.
How much does insurance cost for janitorial services?
A janitorial business with a few workers will pay less for insurance than a large company with a dozen janitors.
Other factors that affect janitorial insurance costs include:
- Value of your cleaning equipment and property
- Business size and revenue
- Types of business insurance purchased
- Policy limits, deductibles, additional insureds, and exclusions
- Claims history
Call Dorsal Insurance today for a quote at 786.601.2485
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