Cleaning businesses insurance.
If you work as a house cleaner or a building janitor you need business insurance to cover the risks your business faces on a daily basis. Get the protection you need today.
What is cleaning business insurance?
Cleaning business insurance is a specialized policy designed to protect cleaning business owners against specific risks and liabilities. You never know when you’ll make a mistake or an accident will occur, but having cleaning business insurance in your corner can help protect your business from costly customer lawsuits, theft, and damages.
Do house cleaners need insurance?
Whether you’re a house cleaner that offers residential cleaning services, or a building janitor that offers commercial cleaning services, there are still risks you need coverage for. Your insurance coverage can help provide you and your employees with financial protection should there be a lawsuit as a result of a third-party injury or property damage.
Cost of insurance for your cleaning business
Whether your cleaning company offers janitorial services, housekeeping services, carpet cleaning, or more, the cost of insuring your business will vary. When a premium is calculated, there are multiple factors that are taken into consideration, such as:
- Estimated annual revenue
- The vehicle(s) being used in your business operations
- The type of equipment your business uses
- Years of experience
- Number of employees
- Location of your business
Five coverages that can protect your cleaning businesses
There are a variety of coverages available to protect your cleaning business. We’ve outlined five of the most common ones that may be especially important for your business:
Commercial general liability
Commercial general liability (CGL) is designed to respond to situations where your business is found to be legally liable for bodily injury or property damage suffered by a third party (for example, a customer). CGL insurance is designed to protect you and your business from suffering financial hardship as a result of any ensuing lawsuit.
Commercial property insurance
Unexpected losses resulting from a fire, storm, vandalism, or theft can happen when you least expect it. Having commercial property insurance in place can be a useful safety net for things like your inventory, supplies, equipment, and even the building you operate out of, should the business own it.
Mobile equipment insurance
Have you ever forgotten cleaning equipment at a site? Whether your tools are stolen or damaged by an insured peril, mobile equipment insurance can help compensate for this loss.
Business interruption insurance
If your business is forced to close because of an insured loss, this will have an impact on your business income while repairs are being done. Business interruption insurance can help protect your loss of business income until you are back up and running again.
Commercial auto insurance
Do you regularly use a vehicle to drive to a client’s home or business? A personal auto insurance policy is designed for vehicles used exclusively for personal use. If your vehicle is being used for business purposes, you require a commercial auto insurance policy.
Some of the different cleaning services that should have insurance protection
Here’s a list of some of the cleaning businesses out there that should have insurance:
- Home cleaning
- Housekeeping service
- Pool cleaning
- Carpet cleaning
- Office cleaning
- Janitorial services
- Window cleaning
A customized insurance policy from TruShield can help you in certain scenarios, including if:
Keep your reputation squeaky clean
Let TruShield help you protect your business from theft, damages, and customer lawsuits.