Do you have a janitorial business? Maybe you are thinking about starting one. You know that you need janitorial insurance, but what types of policies do you need to make sure that your business is properly covered?
Insurance is never the most exciting thing to think about, but it is a critical part of your business. Oftentimes, your clients want to make sure that you are covered if something happens while you are on the job. Additionally, you need to make sure that not only are your clients covered, but also your vehicles, your employees, and your business assets.
So how do you do that? We are going to look at 7 types of policies that you should consider to protect your janitorial business in Florida.
Types of Policies for Janitorial Businesses
- General Liability
- Commercial Property
- Commercial Auto
- Worker’s Compensation
- Janitorial Bonds
- Commercial Umbrella/Excess Liability
- Cyber Insurance
How Do Each of These Policies Apply to My Janitorial Business?
That’s a good question. For an overview of each type of janitorial insurance policies, click the link for a more detailed overview.
General Liability for Janitors
General liability would cover things that you’re legally liable for. This doesn’t apply to your employees, as there is another coverage for that. This would cover injuries and property damage that you or your employees cause your client or their customers. This is the most common janitorial insurance policy that your client usually will require you to have.
Commercial Property for Janitors
Commercial property will cover your office if you own the building along with your business personal property like cleaning equipment, office equipment, etc. Sometimes you can combine the General Liability and Commercial Property under a Business Owner’s Policy (BOP) for a packaged policy that can provide some savings.
Commercial Auto for Janitors
To get from job to job, you usually have a vehicle. If your janitorial business owns a vehicle, you will need a commercial auto policy for it. Also, if you or your employees use their own vehicle for the business, you should consider non-owned auto coverage.
Worker’s Compensation for Janitors
This is coverage for your employees if they are injured from the job. This could be a sudden accident, like a fall, or this could be something developed over a long period of time due to repetitive motions or exposures in the cleaning business. If you have 5 or more employees, this is required. If you have less, it is optional, but still an important coverage to consider.
We have all heard the term “licensed, bonded and insured”. A janitorial bond is a type of bond that provides coverage for employee theft. Clients can be concerned about cleaning crews stealing things that they have access to during the course of their work. This bond shows the client that your business can be trusted and gives you an edge vs some of your competition that may not have a bond, and it may be required by some clients.
Commercial Umbrella / Excess Liability for Janitors
Your general liability will have a specific limit of insurance. Depending on the size of your business, and what types of jobs you are doing, you may need additional coverage. This policy allows you to increase your limits so you have better liability protection.
Cyber Liability for Janitors
This coverage isn’t as common, but as the world becomes more dependent on technology, this policy is important for more and more industries. If you store client information online, generate leads online through your website, keep important business records online, then it’s an important coverage to consider. It can provide coverage for date recovery, income loss, and expenses related to data breaches, ransomware attacks, and more.
While these are the most common types of janitorial insurance policy coverages, there may be other coverages to consider for your specific business.
How Can I Get a Quote for Janitorial Insurance, and What Should I Expect?
We will gather some basic info about your business, and answer any questions that you may have. Then our team will work with you and our insurance carriers to make sure that we get the right coverage for you at the best price.