Keeping Your Claims History Clean
Risk Management Guide for Janitorial, Maid, & Cleaning Services

Chapter 2: Understanding Cleaning and Janitorial Insurance Policies
Part 1: What Is Business Insurance and Why Do You Need It?
How Much Will Your Insurance Premiums Be?

Now that you understand how business insurance works, your next question is probably about the cost of coverage. When you apply for insurance, you must answer a few questions about your business before your agent can give you an accurate quote.

The price of your coverage depends on…

  • Your profession (e.g., janitorial services, maid services, etc.).
  • Where your business is located.
  • The number of employees you have.
  • Risks related to your line of work.
  • The types of policies you select.
  • Your policy limits.
  • Your claims history.

This information helps your provider understand the risk it takes on when it agrees to insure your business. The higher your risk, the higher your insurance premiums.

For some policies, you can reduce your insurance rates by implementing risk management measures, which we discuss later in this guide.

Next: Chapter 2.2: Small Business Insurance Basics

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Keeping Your Claims History Clean: A Risk Management Guide
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