Do I need cleaning business insurance?

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MALE VOICEOVER: From house cleaners to commercial janitorial services, cleaning businesses face several risks daily. Having the right insurance will protect your cleaning company from accidents, equipment theft, and other financially devastating claims.

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So, which types of business insurance should a cleaning business carry?

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The most popular and often required policies include:

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General liability insurance, which protects against basic third party risks, such as a customer injury, or damage to their property.

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[video: Under above header, three bullet points display the text: "Customer bodily injuries"; "Damaged customer property"; "Libel and advertising injuries"]

Workers' compensation insurance is usually required for businesses with employees, and protects against workplace illnesses or injuries.

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[video: Under above header, three bullet points display the text: "Employee medical expenses"; "Disability benefits"; "Legal fees from lawsuits"]

Commercial auto insurance covers vehicle theft, vandalism, and accidents involving your company's vehicle. Most states require this coverage for businesses that own vehicles.

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[video: Under above header, three bullet points display the text: "Physical damage and collisions"; "Injuries caused by your vehicle"; "Repairs due to weather or vandalism"]

A business owner's policy, or BOP, bundles general liability and commercial property coverage together. It usually costs less than purchasing each of these policies separately.

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[video: Under above header, three bullet points display the text: "Client accidents"; "Stolen or damaged business property"; "Business interruptions"]

Janitorial bonds provide reimbursement to your client if an employee steals from them. These bonds are sometimes required in client contracts.

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Your unique business operations will likely determine what types of insurance you need and how much of a specific coverage you should carry. It's best to speak with your insurance agent to understand which policies can meet both your business needs and your budget.

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Get free insurance quotes for your cleaning business with Insureon today.

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Click the link to get started.

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