A friend of mine was considering beginning a cleaning company and she requested me what kinds of commercial general liability insurance she can think about. Here is the advice I gave her…
Because she was getting started by herself, she’d probably be regarded as an independent contractor. Contractors require insurance the same as every other company that works with customers and clients, in addition to a janitorial or perhaps a maid type cleaning service needs business liability insurance. Deciding what quality of liability insurance coverage a cleaning company needs differs from one state to another, but generally there are several typically faced issues.
Looking at all of the chances experienced by a janitorial business can help determine the amount of liability coverage needed. A cleaning company has to protect themselves from harming a customer’s property, damaging vehicles and equipment, personal injury, as well as from crime. Additionally, a janitorial business might think about insuring themselves from other issues like damage due to backed up drains and sewers, misplaced or even damaged keys, and also harm to company records.
in case the company plans to use others inevitably, subsequently more coverage might be required, perhaps even Worker’s Compensation Insurance, when you are going to offer the products of yours in a state which demands some form or employees comp of it. Consider scenaries of a worker damaging a pricey rubber floors, or maybe a dishonest employee pocketing something small but expensive, like a mobile phone or maybe necklace originating from a client’s office. Without liability insurance to deal with property that is broken, etc., employee theft, a janitorial company may go end up on the wrong end of a costly lawsuit.
In order to avoid expensive out-of-pocket expenses, it’s essential that janitorial service organizations have liability insurance coverage fitting the requirements of theirs. The best place to begin is typically with a broad Liability Insurance policy. Along with general liability insurance, an umbrella policy might be a great idea for pricey claims that go over a GLI policy limits.