Small Business Insurance Policies
for Janitors, Maids, and Other Cleaning Businesses
Let our janitorial, maid, and cleaning services insurance experts mop up the risks associated with your business.
We make buying business insurance stress-free for all your janitorial, maid, or cleaning services insurance needs, including:
We offer a variety of insurance coverage types specifically designed for janitors, maids, and other cleaning services providers.
Commercial General Liability for Janitorial, Maid, & Cleaning Services Providers
The purpose of Commercial Liability Insurance is to protect your business in the event that someone claims that you or your business practices caused them significant property damage and bodily harm. Should the alleger choose to pursue compensation or a lawsuit, the Commercial General Insurance pays for the cost of litigation, reimbursement fees, and medical costs.
For example, if your client claims that your employees lost keys to their building, broke a light fixture, or caused a customer to slip and fall on a wet floor, they will pursue your business for compensation.
Our General Liability Insurance covers damage to your clients' property while it is in your care. Coverage extends to the replacement of locks and keys if necessary.
The parameters of this policy also apply to your own offices, not just to your clients' locations. If your business works extensively with toxic materials, you may want to add our extra Accidental Pollution Insurance coverage.
Property Insurance for Janitors, Maids, and Cleaning Services Providers
Maids, janitors, and cleaning services businesses use a variety of cleaning tools to get the job completed. However, some of your equipment and chemicals may carry a high hazard risk. Property Insurance protects both your own office and property in addition to the property of your clients. It compensates you for lost equipment and supplies if they are damaged or stolen.
It also covers your clients' property when it is in your care, and can include employee theft and damage to client-owned cleaning supplies, electrical systems, window furnishings, carpeting, furniture, and fragile objects. Our Property Insurance also covers contract penalties should your business be unable or slow to meet a cleaning engagement deadline.
The Business Owner's Policy for Cleaning Professionals
If your business is considered low-risk and meets certain other eligibility requirements, you may be able to save money by purchasing a Business Owner's Policy (BOP). The BOP bundles General Liability and Property Insurance into a single policy for less than you'd pay for the two policies individually.
BOPs were specifically designed for small businesses, so be sure to ask your insurance agent whether you qualify.
Umbrella Coverage / Excess Liability Insurance for Janitor, Maid, & Cleaning Services Providers
Umbrella Insurance (also known as Excess Liability Insurance) provides your business with an additional layer of insurance protection to your existing General Liability policy.
For example, if you have $500,000 in General Liability coverage and a client claims that their employee was injured from slipping on a waxed floor, the court may order that you compensate the injured employee by paying $750,000 in fees. Had you purchased Excess Liability Insurance, it would provide the additional payment needed for this claim.
If you are in search of an easy and cost-effective way to increase your existing policy limits, Umbrella Insurance is the one of the most efficient ways to raise the limits on your General Liability policy.
The Cleaning and Maintenance Service Contractors' SPICE Endorsement
Designed just for businesses like yours, this addition to your Property Insurance policy covers your business's personal property against theft or damage when it is in transit or at a client's site. It also adds $25,000 of basic business income at scheduled locations that you select, along with coverage for employee theft, alterations, and securities.
Surety Bonds for Janitors, Maids, and Other Cleaning Businesses
Surety bonds are a special kind of insurance contract between three parties: you, the insurance provider, and your client. In the event that you aren't able to deliver on the agreed-upon terms of your contract (say, to clean a client's mansion before they host an important charity event because you broke your arm), the client can collect money on the surety bond to hire another cleaning business. Unlike other kinds of insurance, your business is required to repay the insurance provider for the amount they pay out on the bond claim.
Businesses that have surety bonds often advertise themselves as "bonded."
Commercial Auto Insurance or Hired & Non-Owned Auto Insurance for Cleaning Professionals
If you have a vehicle licensed in your business name or your use a personally owned vehicle to get to and from jobsites, Commercial Auto Insurance (for business-owned vehicles) or Hired and Non-Owned Auto Insurance (for personally owned or rented vehicles) can protect you. Most personal auto policies don't protect drivers for business-related accidents.
Workers' Compensation Insurance for Maids, Janitors, and Cleaning Services Providers
Your employees could be exposed to a variety of risk exposures including fall hazards, toxic cleaning chemicals or pesticides, bio-hazardous waste, heavy lifting, and other potentially harmful exposures. Workman's Compensation Insurance funds your employees' medical costs and some of their lost income in the event that they suffer a work-related ailment. Numerous states require cleaning services businesses to provide Workers' Compensation Insurance for their employees. Workman's Compensation Insurance also covers you as a business owner in the event that you suffer financial losses as the result of a job-related injury.
Our Workers' Compensation policies come with Employment Practices Liability Insurance to protect your business against litigation should your employees claim wrongful employment practices, such as discrimination, sexual harassment and wrongful termination.