Business Owner's Policy (BOP)
for Janitorial, Housekeeping, and Cleaning Professionals

For cleaning professionals — whether your business provides janitorial or maid services, swimming pool servicing, or property preservation — your work takes you everywhere. From private homes to corporate office buildings, your business performs almost all of its work at locations outside your offices, and that freedom allows your cleaning services mobility and a flexible work schedule. However, the same rewards of your industry come with unique risks and concerns. For example, your employees have to travel, which could put them in danger's way, as well as leaving your cleaning equipment vulnerable to damage while in transit. Additionally, the flexible work schedule could mean your employees work long hours in empty buildings. Your business may also have to handle valuable customer property, and should it be damaged while your employees are cleaning, your company could be held responsible.

In the cleaning services business, it only takes one slick floor or broken heirloom for your business to face a financially devastating lawsuit or costly out-of-pocket expense. When you consider the risks, it's easy to see why many cleaning services professionals turn to business insurance to protect their small businesses. When you have adequate insurance coverage, you have the peace of mind that your business can survive a costly liability lawsuit or unexpected expenses due to property damage.

If you are searching for a broad and reliable policy, a Business Owner's Policy (BOP) may be what you had in mind. By combining General Liability Insurance and Property Insurance, your BOP offers funding for liability lawsuits and damages as well as the coverage you need to replace lost or damaged commercial property. Your insureon agent can help determine your business's eligibility for this policy.

For more information about a Business Owner's Policy and the protection it offers your professional janitorial, maid, or cleaning business, read on.

Business Owner's Policy: Protecting Janitors, Maids, and Cleaning Services Businesses

Business Owner's Policy: Protecting Janitors, Maids, and Cleaning Services Businesses

Business Owner's Policies for cleaning professionals are, in essence, a safeguard against uncertainty. You never know what unfortunate accident may happen or when disaster may strike. And if you're like most small business owners, you simply cannot budget for expensive lawsuits (which can climb to millions of dollars) or replacement of all your commercial equipment if it is destroyed in a fire. When you have reliable and comprehensive coverage, such as a BOP, you have the security that your policy can provide the funds for covered claims and help your business to survive what could have been a serious financial hit in the event of a liability claim or natural disaster, such as a fire, a tornado, or criminal activity that damages business property. Because a BOP bundles General Liability and Property Insurance policies together, it is generally offered at a discounted rate — saving your business money in yet another way.

Your BOP's General Liability portion provides legal funds to defend your business against a liability claim involving injury, bodily harm, or property damage to a third party. Typically, this includes coverage for attorney's fees, settlements or judgments, docket fees, police reports, and more, depending on your policy limits. Even if the claim is meritless, your coverage will still kick in to cover the expense of hiring an attorney to defend your business and other fees associated with the claim.

Through Property Insurance coverage, your BOP also protects the business assets you need to run your business. From your office space to your cleaning equipment, supplies, and computers, the Property Insurance portion of your policy safeguards your commercial assets against damage, loss, or theft. Covered claims are usually associated with the damage wrought by tornadoes, fires, burglaries, or vandalism. This portion of your policy can also extend to cover damage to others' property while it is in your care, such as building keys that have been lost.

Talk to our cleaning-business insurance experts today to learn if a BOP is appropriate for your business protection needs. We're happy to answer any questions you have.

Business Insurance for Maids, Janitors, and Cleaning Services Professionals: Business Owner's Policy Coverage

Business Insurance for Maids, Janitors, and Cleaning Services Professionals: Business Owner's Policy Coverage

If you're looking for a streamlined, comprehensive policy to mitigate the risks your janitorial, maid, or cleaning services business may face, a Business Owner's Policy offers a wide range of coverage for an affordable price. As you consider your coverage options, keep in mind the following claims a BOP typically covers.

Property Claims

You depend on your equipment in order to offer your specialized cleaning services. So if, for example, your flammable cleaning chemicals start a fire in your storage space and your equipment is destroyed in the blaze, you don't have time to waste when it comes to replacing your supplies and gear. Fortunately, in the event of a covered claim, your BOP allows you to quickly replace the equipment you need to serve your clients. The Property Insurance portion of your policy protects your office, storage areas, and business equipment and supplies against loss from fire, theft, and certain other situations. This coverage can also cover others' property that is in your care, custody, or control, such as client-owned cleaning equipment that your business uses, draperies, carpeting, furnishings, and breakable objects that belong to your client. It can also include protection against employee theft of client property.

Depending on your policy, you may have the option to cover property either at its current or replacement value. Insuring property at its replacement value means you can quickly replace your old equipment with new gear in the event of a covered claim, while insuring at the current value may restrict your replacement options. Ask your insureon agent about which option makes the most sense for your business needs.

General Liability Claims

The General Liability portion of your BOP protects your cleaning business against the high costs of liability lawsuits alleging bodily injuries and property damage. For example, if your client's employee slips on a floor your company just mopped, they may decide to file a lawsuit to hold your business responsible for their employee's medical expenses. Or, your employee may accidentally damage a high-dollar statue in your client's lobby, and your client could sue your business for loss of their property. Once a third party files a lawsuit against your business, your General Liability Insurance kicks in to cover the cost of your legal defense, settlements or judgments, court costs, and more.

This coverage can also extend to replace some of your client's lost or damaged property. For example, if one of your employees loses the keys to your client's office building, your BOP may be able to replace the lost keys and install new locks. This portion of your BOP also offers security if mishaps should happen in your own office. For instance, if a visitor trips over the welcome mat and breaks a bone on your premises, the General Liability part of your BOP can provide funds for their immediate medical attention, as well as the coverage for court costs if the visitor sues.

Your Business Owner's Policy can include coverage for completed operations liability, contract liability, and advertising liability. Coverage for accidental pollution or environmental damage coverage is usually available as an add-on. For more information about the specific coverages included in your BOP and add-on options, contact an insureon agent.

SPICE Endorsement for Janitors, Maids, Cleaning, and Maintenance Professionals

The SPICE add-on coverage was designed just for businesses like yours to protect your business property while it's on the road or at another location outside your office. By protecting your assets against loss, theft or damage, this policy gives you peace of mind while you travel to conduct business. The SPICE endorsement also adds $25,000 of basic business income at scheduled premises you select, in addition to its coverage for employee theft, forgery, and alterations, and money and securities. Talk to your insureon agent about including this endorsement in your BOP.

Insurance Policies Custom-Made for Janitorial, Housekeeping, and Cleaning Professionals

Insurance Policies Custom-Made for Janitorial, Housekeeping, and Cleaning Professionals

At insureon, we understand the needs of your cleaning business, which is why we work with you to create a policy tailored for your line of work. Through a streamlined, easy process, we provide your business with quotes from the nation's most trusted insurance carriers. When you're ready to protect your janitorial, housekeeping, maid, or cleaning business against uncertainty, simply complete our quick online application. Depending on your needs, you may be able to begin coverage in less than 24 hours of your initial application!

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