Insurance for janitorial services should include these coverage options:
Why Do You Need Janitorial And Office Cleaning Insurance?
Your small janitorial business strives to provide quality service on every job—but there are things you can’t foresee. What if an employee becomes ill from a new cleaning product? Or your client trips on the cleaning equipment injuring themselves? What happens if your equipment ruins your client’s office furniture in the cleaning process?
These are just a few unexpected events that can happen on a job. The good news is that small business insurance from B2Z Insurance can reduce your costs for liability and other property claims, as well as the financial support needed to repair or replace your building, equipment, tools, and products if your operations are impacted by fire or theft.
Which Janitorial Insurance Coverage Do You Need?
Business Owner’s Policy (BOP).
An affordable way to access comprehensive coverage, a business owner’s policy combines both general liability and property damage coverage. In general, it extends to property damage--including the loss of building contents—from catastrophic events like a fire; and it may ease financial obligations following a liability incident, such as a customer slip-and-fall accident and legal claims of false advertising.
Workers’ Compensation Insurance.
Most states have made workers’ comp a requirement for doing business, And it makes financial sense when considering the high cost employee injuries and illness sustained on the job may cost a small cleaning business. This coverage helps with impending medical bills and lost wages and legal fees related to lawsuits filed by employees.