17 Nov Cheap Janitorial Insurance
Cheap Janitorial Insurance
Randy is the owner of a commercial cleaning company. He takes pride in his work, and does his best to select crew members who share his work ethic. Background checks, customer service training, and a stern recitation of his zero tolerance policy regarding theft are all a part of his thorough “on-boarding” process for new employees. Over the years, Randy has developed a reputation for providing quality services and having a strong and reliable crew. However, one of Randy’s employees was recently caught stealing from a client by a surveillance camera. Despite Randy’s good reputation, he is now part of a lawsuit being brought against him by the client.
Employee theft, chemical spills, and loss or destruction of important documents, are all examples of difficult situations which can leave you in a vulnerable financial place. In the event that these situations result in medical bills, loss of contracts, fines from occupational safety boards, etc.; you may find yourself liable for any and all of these costs. But, if you find a cheap janitorial (or commercial cleaning) insurance policy, you will have layer of financial protection if and when any of these events occur.
For the most part, finding a cheap janitorial insurance policy will come down to comparison shopping. First, look for several agents and agencies who are familiar with the commercial cleaning industry. A general liability policy offered by any random agent may cover a bulk of the risks you face, but you may need some additional, more specific policies or policy riders to create a comprehensive insurance coverage package that fully protects your company. Having an agent familiar with the industry will make it easier for you to buy exactly what you need, not spending more on unnecessary coverage and not leaving any gaps in insurance coverage.
A second step in finding cheap janitorial insurance is to compare quotes. Once you have found several agents that you feel are qualified to provide your company with an insurance policy, request a quote from each agent and then compare the numbers that you receive. Premium quotes will vary from agent to agent, due to the fact that each agency bases their premiums on different factors and may use different data sources to determine risk assessment. Obtaining quotes from several agencies will allow you to see the differences in price and allow you to choose the most affordable option.
In a perfect world, nothing goes wrong and there is no reason to buy a janitorial insurance policy to protect our companies. However, through human error, coincidence, or acts of nature- things can and will go wrong. Without an insurance policy in place to provide financial protection, you may find yourself in a sticky situation, but you do not need to pay an expensive premium to obtain a comprehensive and affordable policy. Talk to your insurance agent today to see how you can get your own cheap janitorial insurance policy that will protect yourself, your employees, and your company from financial liabilities.
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.