As the owner of a cleaning business, there’s nothing quite as rewarding as seeing your customers satisfied with their fresh, sparkling, sanitized home or business. But that reward doesn’t come without risks. Cleaning companies, including janitorial services, home cleaners, business cleaners, window washers, and launderers, carry a unique set of hazards to owners, employees, and customers that may be alleviated through proper cleaning business insurance coverage.
Your employees may face on-the-job risks such as chemical exposure or repetitive stress injuries. Your customers could become injured by slipping on freshly mopped floors or tripping over cords. Your storage warehouse could be damaged due to fire or catastrophic weather. And you could be held liable for all of these damages.
However, when you carry the right types of cleaning service insurance, your customers, employees, and small business may be covered.
What are the common types of cleaning insurance?
Workers’ compensation insurance helps protect your cleaning business and covers your employees if they become ill or injured on the job. Check your current workers’ comp rate.
General Liability
General liability insurance helps protect your cleaning company against third-party claims that involve property damage, bodily injury, or advertising injury.
Business Owner’s Policy
BOP offers bundled insurance that may include business interruption insurance, property insurance, and liability coverage for your cleaning business.
Cyber Insurance
Cyber liability insurance helps cover your company for events such as a data breach in which your customers’ or employees’ personal information or your company data is stolen.
Additional Cleaning Insurance Options
Additional coverage options such as employee theft insurance may be built into your business owner’s policy or purchased separately to customize your cleaning business insurance package.
What are some cleaning business risks, and which type of insurance may cover them?
Selecting small business insurance can be confusing. Here are some sample scenarios to point you in the right direction. We recommend consulting with a trusted advisor to make sure you get the right types of coverage for your business.
An employee develops a back injury from operating a floor buffer
Workers’ compensation insurance may cover the worker’s medical bills and lost wages.
A customer slips on freshly mopped tile
General liability insurance may cover the customer’s medical bills and lost wages due to bodily injury and may protect your company from further liability.
The warehouse and cleaning equipment are damaged by fire
Property insurance (often through a bundled business owner’s policy) may cover the costs to rebuild the warehouse and replace the equipment.
In addition to the damage, the business is interrupted due to the fire
Business interruption insurance (often through a business owner’s policy) may cover lost profits, temporary location moving costs, and certain operating expenses related to business loss from the fire.
An employee runs the work vehicle into a parked car
Commercial auto insurance may cover the auto repair costs and the third party’s car repair bills.
Who needs cleaning insurance?
Whether you’ve been searching for commercial cleaning insurance, janitorial insurance, or house cleaning insurance, we’ve got you covered. All cleaning business owners should have adequate insurance to cover themselves, their customers, and their employees including janitors, house cleaners, maids, custodians, launderers, and window washers. Cleaning businesses may include:
- Residential cleaning, house cleaning, or home cleaning services
- Commercial cleaning, office cleaning, or retail cleaning services
- Custodial or janitorial services
- Maid services
- Dry cleaning or laundry services
- Window cleaning services