Cleaning and janitorial service providers face unique risks, such as exposure to toxic materials, fall hazards (if they climb scaffolds), and odd work hours. Your familiarity with these risks can help you connect your clients with the coverages they need to protect their finances and their employees.
Your clients in the cleaning services industry may benefit from the following policies:
General Liability Insurance
Maids and janitors may have an office, but a lot of their work occurs at their client's location. This means they run the risk of being sued over damage they cause to other's property. General Liability Insurance can cover such third-party claims. For example, if a customer alleges that your client ruined an expensive appliance while cleaning it, General Liability can cover the cost of its replacement. If the customer sues, GL pays legal defense fees and settlements or judgments.
Property Insurance and SPICE
Your cleaning service client probably has expensive equipment - such as carpet steamers and high-powered vacuums - that they transport to their customer's property. Property Insurance protects these essential assets while they are in your client's primary business location. If insured items are destroyed or lost because of theft, windstorms, or fires, your client's Property policy pays for their repair or replacement. Your maintenance industry client should also consider adding a SPICE rider to their plan. It protects their equipment while it's in transport between sites. A SPICE endorsement also has $25,000 of basic business income protection for locations your client selects. It covers the income your client may lose when a property loss keeps them from work.
Business Owner's Policy (BOP)
Your client's small business might qualify for a Business Owner's Policy (BOP). A BOP lowers your client's premium by bundling General Liability with Property Insurance at a discounted rate.
Commercial Auto / Hired & Non-Owned Auto Insurance
Your client most likely owns or rents car and trucks for transporting people and equipment to their worksites. Commercial Auto / Hired & Non-Owned Auto Insurance covers some risks of the road, such as property damage and liability lawsuits stemming from auto collisions. If your client relies on their employees to drive their own vehicles for work purposes, they should consider carrying Hired and Non-Owned Auto Insurance. This policy covers legal expenses when your client's business is sued for an auto accident involving a car it doesn't own. If your client owns vehicles in their business's name, they should opt for Commercial Auto Insurance.
Workers' Compensation Insurance
Nearly every business owner with employees will need to carry Workers' Compensation Insurance to comply with state laws. Your cleaning services client's employees are especially susceptible to workplace injuries, considering their physical labor and exposure to chemicals. Workers' Compensation covers employees' medical expenses and lost wages if they are hurt on the job or develop occupational illnesses.