Don’t be left cleaning up another mess
Are you putting your all into a janitorial business that could disappear with one error?
Even if you don’t do anything, in today’s litigious climate, your janitorial business could be vulnerable to great loss without janitorial insurance in Pasadena.
Your janitorial business is unique because you and your crew work on someone else’s property. This brings with it a host of risks. General liability insurance coverage is not enough to cover all of your risks.
Let’s play out a “what if” scenario:
Suppose you are cleaning a house in Glen Burnie, Maryland and go to dust the flat screen TV that is hanging on the wall.
While dusting the 52″ TV it suddenly falls to the floor cracking the screen. Since the TV was in your care, custody or control when it fell off the wall there may be no coverage under your general liability coverage. Unless you have endorsed your liability policy to include this important coverage you are going to find yourself with an uncovered loss, coming out of your earnings.
In addition to the liability insurance you need a janitorial bond.
I have had several clients call throughout the years and asked for a janitorial bond without having any understanding of the purpose or the coverage provided by the bond.
A janitorial bond provides protection to the property owner if your employees would steal from them. We have seen a cases were employees cleaning a Severna Park Maryland auto repair business stole a vehicle that a customer dropped off after hours and put the keys through the box. We also had a case where employees stole jewelry or money from customers. The most important thing to remember is with the bond there must be enough evidence against the employee that charges could be brought against the employee before the bonding company would pay the claim.
To cover your special risks, you need janitorial insurance, which has coverage that can include:
- General Liability
- Building and Business personal property
- Lost Key Coverage
- Personal Injury
- Janitorial bond
- Workers compensation
- Business auto
- Equipment floater, to insure your vacuum and equipment you take to and from job sites
You might be wondering about the cost of a janitorial insurance policy. Be rest assured, it’s among the best deals in insurance.
Janitorial insurance is available to all owners of businesses that work in the cleaning industry. It is a policy that protects you and your crew from general business liabilities. Cleaning companies have unique risks that are specific to the off-site nature of the business.
At Huff Insurance we can even insure janitorial services that are doing mold remediation, window washing, floor waxing or power washing under specialty policies that include additional coverage to handle these unique exposures.
Here are two reasons to get started right away!
- You want to make sure that you are protected against all claims before you step foot on another client’s property.
- You can get a no-risk quote right away. Simply fill out the form above and we’ll get back to you within a day with an affordable janitorial insurance policy built to suit your needs.
Huff Insurance is a full service Independent Insurance Agent We have been dedicated to Protecting Lifestyles™ since 1960. We offer a full array of Personal Insurance, Commercial Insurance and Life Insurance products. Call us at 410-647-1111.
Do You Hire Sub Contractors?
If so, then you need to check out our SUB CONTRACTOR INSURANCE page to see how it could affect your business insurance! Not knowing could cost you thousands of Dollars.
