03 Nov Best Insurance for Janitors
Best Insurance for Janitors
Very few people set out with the intent to run a mediocre business. “I hope I only have a few clients.” “I’m only going to put in half the effort needed to finish this job.” “Who cares if I use subpar supplies? You get what you pay for.” These aren’t statements that many of us would even think, let alone speak out loud. Instead, most of us look to create the best business possible, build our reputation by offering top notch service, and grow at an appropriate rate. In order to build that “best” business, it is important that we start with the best of everything, including insurance. As a commercial cleaner, is there even such a thing as the best insurance for janitors? In a word: yes.
Part of finding the best insurance for janitors is finding the best insurance agent for the job. Many agents are licensed to provide any number of insurance policies, but not all of them are familiar with the world of commercial cleaning. Finding an agent who is familiar with the industry will go a long way in helping you find the best policy for your business. The right agent will be able to answer all of your questions appropriately and will ensure that you purchase the right type and amount of insurance.
Finding the best insurance for janitors will require you to pick the best general liability insurance policy for your business. Your general liability policy is what will provide you with financial protection in the event that your company is involved in an accident or incident that results in injuries or damages. There are a few questions that you may need to ask yourself here, answering them with a little input from your insurance agent as well. Is the best insurance policy the one with the best premium, or the one that provides a higher level of coverage that adequately covers all of your business’ assets? Is it best to have a high deductible which saves you money, or is it best to have a lower deductible that you could actually pay if a claim had to be filed?
Similar to general liability insurance, finding the best insurance for janitors will also require you to find adequate and affordable commercial auto and property insurance options for your business. These policy options will provide coverage for the physical assets of your company. Without these options, you could potentially find yourself lacking the transportation needed to travel from site to site, as well as the equipment needed to actually do your job. You cannot be the best anything without the right tools!
The most important element in finding the best insurance for janitors is knowing what is best for your company. There are many opinions in the world of insurance with regards to what is the best policy; but ultimately, you are the one who determines what is best for your company. Seek the advice of an insurance agent, talk with peers in the industry, and carefully examine all your options. In this way, you can be sure that you will find the best insurance for your commercial cleaning business.
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.