04 Aug Insurance for Commercial Cleaners
Insurance for Commercial Cleaners
“Do I really need that?” In a world where we are constantly bombarded with offers for extended warranties, add-ons, extravagant accessories, and countless other “extras;” we’ve grown skeptical of paying for anything that isn’t absolutely necessary to our existence. As the owner of a commercial cleaning business, you may find yourself asking the question, “Do I need that?” regarding the topic of insurance. To put it bluntly- yes. Insurance for commercial cleaners isn’t an add-on or extra extravagance, but a necessity.
You’ve likely put a lot of time, effort, and energy into your commercial cleaning business; and you’d like to nurture it and see it grow and succeed. When you purchase an insurance policy made especially for commercial cleaners, you are obtaining a means of protection that ensures that your business’ growth will not be negatively impacted by a lawsuit or other financial hardship. Chemical spills, on-the-job injuries, lost keys, employee theft, and even loss of business contracts are examples of situations that can result in significant costs for your business unless you are protected by insurance for commercial cleaners.
The first component of insurance for commercial cleaners is general liability insurance. This covers medical bills, settlements, legal fees, and a host of other costs that can result from extraordinary circumstances. The amount of general liability insurance that you will need will vary depending on the size of your business, the number of employees, and the type of commercial cleaning your business performs. Your insurance agent will be able to answer any questions you have and guide you to the right type and amount of general liability insurance you may need.
A second important component of insurance for commercial cleaners is auto insurance. In some form or fashion, you will likely have vehicles responsible for transporting your personnel and equipment from one commercial cleaning site to the next. A comprehensive commercial cleaning insurance package will have some type commercial auto insurance policy that provides coverage for accident damage, the medical bills of any individuals involved in an accident, the loss of equipment through theft or accident, etc.
The third, and final, component of insurance for commercial cleaners is worker’s compensation insurance. While not every state requires that you obtain this insurance to operate a business, it is another form of financial protection for you, your employees, and your business. Worker’s compensation insurance protects your business from lawsuits which seek damages related to an injury accident and also provides your employee with an income replacement stipend and compensation for medical bills if they are injured on the job.
Owning a commercial cleaning business is a noble venture, and you’ve worked hard to make that venture a successful one. Talk with an insurance agent today to discuss your options regarding insurance for commercial cleaners. Obtaining an insurance policy is not simply “paying extra” for a service; rather, it is obtaining a form of protection that will allow you to operate and grow your operation without worrying if you will be financially impacted by accidents or incidents in the future.
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.