28 Apr Insurance for Commercial Janitorial Companies
Insurance for Commercial Janitorial Companies
Commercial Janitorial Companies offer an important service for commercial properties. Even if you are doing relatively low risk cleaning, there is always the chance you may cause a large claim. For this reason it is especially important to make sure you have the right coverages for your Commercial Janitorial Company.
Insurance for Commercial Janitorial Companies – General Liability
General Liability is an important and affordable coverage that no Commercial Janitorial Company should operate without. General Liability offers coverage for bodily injury and property damage that arise out of your business operations. There are several programs available for Commercial Janitorial Companies and you may be able to bundle this coverage with your Workers Comp for additional savings. Again, this policy is very affordable so there is no good reason to not have this important coverage.
Insurance for Commercial Janitorial Companies – Workers Comp
In most states, Workers Comp is required by law for all of your employees. While the Workers Comp rates for Commercial Janitorial can be high, there are ways of reducing your premium. As mentioned above, you may be able to bundle your Workers Comp with your General Liability for a multi-policy discounts. Another way to reduce the cost is by implementing a formal safety program for additional discounts. Check out our blog about Workers Comp for Commercial Janitorial Companies to learn more about how to save money on this important coverage.
Insurance for Commercial Janitorial Companies – Commercial Auto
Commercial Auto is an important coverage that is often overlooked by Commercial Janitorial Companies. Commercial Janitorial Companies are often driving to their work location with company owned vehicles. These vehicles should be covered by a Commercial Auto policy rather than your personal lines policy. Commercial Auto policies do not cost much more than the personal lines policies and you can often obtain additional important coverage. When shopping for Commercial Auto Insurance, we recommend obtaining $1,000,000 Combined Single Limits.
If you would like to learn more about any of these important coverages, give us a call at 925-297-4829.
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.