22 Oct Affordable Janitorial Insurance
Affordable Janitorial Insurance
“How much does it cost?” This question must be uttered thousands, if not millions, of times each day. Sometimes, it’s uttered by people who just don’t want to let their precious money out of their hands, sometimes it’s uttered by people who want to know how much they need to save, and sometimes it’s uttered by business owners who are trying to balance the needs of their company with the needs of their budget. As the owner of a janitorial business, you may have even uttered this question as you looked for insurance policies, trying to find an affordable janitorial insurance policy.
Perhaps the first thing to do in your search for affordable janitorial insurance is to decide what type(s) of coverage you need. A general liability policy will protect you against the fallout from damages or accidents. You may also need worker’s compensation insurance for yourself and your employees, a commercial auto policy, and even a policy that is enacted if your employees lose a client’s key or even steal from a client. In order to find the most affordable policies- know what you need to purchase, so that you aren’t led to purchase a product you don’t need.
A solid second step in finding affordable janitorial insurance is to do some comparison shopping between insurance agents and their agencies. No two agencies are exactly alike, so you may find that one agency offers more comprehensive policies with higher coverage limits than another; or that one agency bundles their premiums (resulting in better pricing) if you have purchased multiple insurance policies through their agency. It is also helpful to find an agent who is familiar with the specific insurance needs of a commercial cleaning business. A knowledgeable agent will be able to properly evaluate and assess your liabilities, making sure that you only purchase what you need to purchase, yet not leaving any gaps in your coverage that may leave you vulnerable and financially liable in the future.
Finally, remember that face value is not the only consideration to make when shopping for an insurance policy. Agency A may offer you a certain rate on their policies, but may not provide as much or as comprehensive coverage as Agency B would for a slightly higher premium. If saving money up front with one agency’s policies means potentially sacrificing financial protection down the road when an issue does arise, it may not be as affordable a janitorial insurance policy as it first appears.
Running a janitorial business, like any other business, is an expensive venture. Finding an affordable janitorial insurance policy is a critical part of ensuring that you have the financial protection that you and your business need without straining your budget. Begin the process of finding your affordable janitorial insurance policy today by sitting down with an insurance agent to discuss your coverage needs and policy options. You may just find that obtaining an affordable janitorial insurance policy for your business is easier than you ever thought possible!
All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.