Janitorial Insurance

Janitorial insurance, or cleaning services insurance, is insurance that helps protect your business in the event the unexpected happens. Given the nature of your business, you are at risk for many types of claims, like if someone slips on a wet floor or trips over a vacuum cleaner cord. You can even protect yourself should your employees break or steal a client’s property. In general, janitorial insurance, or cleaning services insurance, can protect almost every aspect of your business.

Janitorial insurance coverage can protect almost every aspect of your business. A well-rounded program will cover your vehicles, equipment, building or property, your employees in the event they get hurt, your reputation, your clients’ data, injury to others, property damage to others, and many other risks. Speak with an insurance agent that specializes in janitorial insurance coverage, so you can learn about your options and devise a program that makes sense for your business and budget.

The premium for the various types of janitorial insurance coverages will vary depending on many factors, such as the size of your company, number of employees, your previous claims history, the value of your equipment and property, and the policy limits and deductibles that you choose. The cost of your janitorial insurance policy, or cleaning services insurance policy, will likely be significantly less than if you have to pay for an unexpected claim out of your own pocket. Speak with an insurance agent that has expertise in janitorial insurance to learn more about your options.

No, liability insurance for janitorial services does not cover employee theft. You need a fidelity bond to protect yourself from intentional acts by your employees—such as theft, embezzlement, or employee misconduct. Liability insurance for janitorial services will cover you for lawsuits and claims filed by third parties, such as your clients or vendors. It is one of the most important janitorial service coverages you can have.