18 Aug Janitor Insurance Quotes
Janitor Insurance Quotes
So you want to be a janitor…or, maybe you want to employ some janitors. In either case, there are a lot of things that need to be considered before you can go into business for yourself or hire other people to work with and for you. If you’ve got the business permits, an office, and the equipment; you’re off to a great start. As you’ve progressed through the system, you may have heard that you need an insurance policy that covers commercial cleaners and janitors. So you’ll start by getting a quote, but what type of information should you be looking for when you request a janitor insurance quote?
First, make sure that your insurance quote includes general liability insurance. General liability insurance provides coverage for the costs that arise from damage to property (yours or your clients), chemical spills, theft committed by your employees, and even key replacement (again, yours or your clients). The amount of coverage that you need to purchase is dependent on factors such as the size of your business, the type of commercial cleaning you provide, the type of equipment and chemicals you use, and even the number of employees you have on staff.
Second, your janitor insurance quote will generally need to include some kind of commercial auto insurance and property insurance policy. The commercial auto insurance policy will function much like a personal auto policy, providing coverage for accidents, injuries, repairs, and/or replacements. The property insurance policy will provide coverage for any expensive pieces of equipment that are vital to the function of your business- industrial vacuums, steamers, pressure washers, etc.
Finally, you may wish to inquire if your janitor insurance quote will include a worker’s compensation policy. In some cases, you may be required to purchase this type of policy through a state division of worker’s compensation; but other states may allow you to purchase through a private insurance agency. Not all states require that a business carry worker’s compensation insurance, but it is perhaps one of the more important policies you could wish to carry; as it provides coverage for medical costs and income stipends, as well as limiting your liability for damages which result from an injury accident.
These are three main components of a janitor insurance quote. To be sure that your quote is complete, be sure that your insurance agent is familiar with the commercial cleaning industry and is aware of all of your business needs. Additionally, be sure to solicit quotes from several different agencies. It is not uncommon for quotes to vary from agency to agency, as each may use their own actuarial tables and risk assessments to determine a policy’s rate.
Obtaining a janitor insurance quote is one of the most important steps you can take with regards to obtaining financial protection for your commercial cleaning business. Speak to your local insurance agents today to find out what types of coverage you need and what premium rates are available for you and your 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.