Whether you are a solo residential cleaner or operate a large industrial cleaning agency, the right insurance and bonds can help protect your business against claims of negligence or loss. But with so many policy options, it can be challenging to find the right mix of coverages to meet your unique business needs. Fortunately, there are trusted providers who can offer a no-obligation quote in minutes and experts who will walk you through the process of tailoring the right coverage.
A good place to start is with a small business owner’s policy, or BOP, which typically includes general liability and property insurance. This coverage can also include equipment and business interruption coverage, which will pay for lost wages and other expenses if your business can’t operate due to a covered event like a fire. For additional protection, consider adding a hired and non-owned auto policy or a fidelity bond to your BOP. The former covers accidents involving vehicles owned by the business but driven by employees on the job, while the latter protects your business if an employee is accused of theft while servicing a client.
House cleaners and maid services are often in and out of clients’ homes, where things can go wrong quickly. For example, suppose one of your workers is cleaning a client’s kitchen learn more here and accidentally slips and falls on a wet floor. They may require costly medical treatment, which you could be held liable for if you don’t carry the proper insurance. That’s why having general liability coverage is a must for janitorial and cleaning companies.
In addition to a general liability policy, many cleaning companies also need to carry professional liability insurance. This type of coverage helps pay for legal fees and settlements if your company is sued for mistakes that result in financial loss or harm to customers. Having this coverage can give you peace of mind, and some clients may even require it before agreeing to work with your business.
If your cleaning business owns any vehicles, you will need commercial auto insurance. This coverage will pay for repairs and medical expenses if an employee is injured in a vehicle accident, as well as property damage and other costs associated with a vehicle being stolen or damaged while on the job. You can typically get a no-obligation quote and buy coverage online, but you will need to contact an agent for specifics about your company’s vehicles and driving habits.
A fidelity bond, or employee dishonesty bond, is another type of insurance that many cleaning companies purchase. This coverage protects clients from financial losses if an employee steals money or valuables while servicing their home or business. It is a common requirement for janitorial services, and it can be purchased alongside a general liability insurance policy to save money. When you complete a simple, no-obligation insurance quote with Thimble, you’ll be able to add your policies and access your Certificates of Insurance in minutes.
