Janitorial insurance provides coverage for businesses that offer janitorial or cleaning services. It’s important for these businesses to have insurance because they are often responsible for cleaning and maintaining properties. They could be held liable for damage or injuries that occur on the premises. A brokerage can help businesses in this industry get janitorial insurance coverage that meets their specific needs.
When working with a brokerage to obtain janitorial insurance, the broker will assess the risks and needs of the business. This assessment will consider the size and scope of the business, the services provided, and the location. Based on this information, the brokerage will recommend insurance policies that provide coverage for the business.
What are some types of coverage?
Some common types of coverage included in janitorial insurance policies are general liability insurance, property damage insurance, and workers’ compensation insurance. General liability insurance provides coverage for damages and injuries caused by the business to third parties.These include slip-and-fall accidents or property damage caused by cleaning equipment. Property damage insurance provides coverage for damage to the business’s own property, such as equipment or cleaning supplies. Workers’ compensation insurance provides coverage for injuries that employees sustain while working.
Janitorial insurance policies may also include additional coverage options based on the specific needs of the business. For example, some policies may include coverage for pollution liability or cyber liability. This could be important for businesses that work with hazardous materials or store sensitive customer information.
Policy through your broker.
Once a business has selected an insurance policy, the brokerage will work with the business to complete the application process and ensure that we submit all required documentation. The brokerage will also provide ongoing support to the business, including assisting with filing claims and changing the policy as needed.
In summary, janitorial insurance is an important type of insurance coverage for businesses that offer cleaning or janitorial services. A brokerage can help these businesses assess their specific risks and needs and obtain appropriate insurance coverage to protect against liability and other risks. By working with a brokerage, businesses can have peace of mind knowing that they are protected in the event of unforeseen circumstances.