Cleaning service owners face unique risks and challenges. Protecting their business and income relies on securing cleaning services insurance that’s unique to your business needs. From onsite workers to handling harmful chemicals, cleaning service providers face potential liability and property damage risks during their operations. Even with robust protocols and work standards, accidents can happen. That’s why understanding the types of cleaning services insurance coverages available can help protect your business.
Cleaning Services Insurance Coverages
When it comes to insuring a cleaning service business, there are several key coverages to consider:
General Liability Insurance for Cleaning Services
General liability is a cornerstone for any cleaning service business. It protects against liability claims that may happen when performing your service on behalf of your clients. Liability claims include bodily injury, property damage, and personal injury. As a cleaning service, there are many potential examples of when a general liability claim could arise. Some examples include slip and fall incidents, exposure to mold or toxins, and property damage, to name a few. If someone files a claim against you, your general liability insurance can cover the medical expenses and legal fees associated with the incident.
Cleaning Services Crews Require Workers’ Compensation Insurance
In New Hampshire and Vermont, your cleaning business is required to have Workers’ Compensation Insurance to protect your employees. Worker’s compensation covers medical expenses, rehabilitation costs, and lost wages related to accidents or illnesses on the job. This coverage ensures that your employees are cared for while protecting your business from potential lawsuits.
Commercial Property Insurance Protects Your Assets
Cleaning service businesses often rely on specialized equipment and supplies. When equipment is damaged, stolen, or lost, your cleaning operation can suffer revenue loss. Keeping your equipment up and running is essential. That’s where Commercial property insurance comes in. It protects your business assets, including equipment, office space, and inventory, from risks such as fire, theft, or vandalism. This coverage ensures that you can recover from a loss and get back on the job.
Business Auto Insurance for Your Employees and Vehicles
Is your cleaning crew on the move, using company vehicles to get to the job site? If so, business or commercial auto insurance is essential coverage. It covers your company vehicles and drivers in the event of an accident, including damages to your vehicles, liability for injuries or damages to others, and even medical expenses for your drivers.
Professional Liability Insurance for Cleaning Professionals
Professional Liability insurance is also known as errors and omissions insurance, or E&O. If you provide professional advice or consult with your clients, that could lead to professional mistakes or negligence claims. For example, suppose you recommend a specific cleaning process or protocol, and you cause damage to your client’s property. In that case, they might file a claim for the damages. In this case, professional liability insurance would help cover legal costs and the settlement amount according to the terms of your policy.
Risks and Considerations
Operating a cleaning service involves various risks, such as:
- Slip and Fall Accidents: The cleaning process can cause hazards to employees and clients. Wet floors and cleaning equipment could cause a slip-and-fall accident.
- Damage to Client Property: Accidental damage to furniture, fixtures, or other personal belongings can lead to costly claims.
- Employee Injuries: Handling cleaning chemicals and equipment can result in injuries or health issues for employees.
Protecting your business means protecting your livelihood. Partnering with an insurance agent who will take the time to understand your business and advise you on the coverages you need can make all the difference. Providing a professional service means you are protecting yourself, your employees, and your clients.
For more information on how to protect your cleaning service business, contact a Colby Insurance Group Agent at 800-392-6532.
This post is for informational purposes. The details and conditions of insurance policies vary. We always recommend speaking with an agent to understand the terms of your existing policies and the policies you plan to purchase.
To consult with an insurance advisor, call 800-392-6532 or email insure@colby-group.com.
