Commercial Auto Insurance
for Janitors, Maids, and Other Cleaning Service Professionals

Janitors, maids, and other cleaning service professionals cannot do their jobs without reliable transportation. And while driving is often thought of as an ordinary, mundane task, it's also an activity that poses a significant risk to you and your traveling employees.

Did you know that your lifetime risk of dying in a motor vehicle accident is 1 in 88? In other words, traffic accidents are common — and there are insurance products available to offer your cleaning service some protection.

Enter Commercial Auto Insurance and Hired and Non-Owned Auto Insurance. Both are designed to help your business pay for the cost of traffic accidents. And the costs are high. In the National Safety Council's 2011 Injury Factbook, the cost of work-related motor vehicle crashes totaled $20.5 billion. Here's what that number looks like broken out:

  • $3.7 billion in wage and productivity losses.
  • $2.1 billion in medical expenses.
  • $12.3 billion in administrative expenses.
  • $2.0 billion in vehicle damage.
  • $0.4 billion in employers' uninsured costs.

The National Highway Traffic Safety Administration (NHTSA) estimates that traffic crashes cost business owners $128,178 per injury. Is that a cost your cleaning service could easily absorb?

If not, read on to learn how Commercial Auto Insurance or Hired & Non-Owned Auto Insurance can benefit your business.

Cleaning Service Professionals: Do you Need Commercial Auto or Hired and Non-Owned Auto Insurance?

Cleaning Service Professionals: Do you Need Commercial Auto or Hired and Non-Owned Auto Insurance?

If you are a cleaning service professional who owns company vans or trucks, it's likely that you already know you need Commercial Auto Insurance to protect you, your car, and your employees.

But Commercial Auto Insurance has other benefits. And it's important to realize that your cleaning service can likely benefit from Hired & Non-Owned Auto Insurance even if you already carry or plan to carry Commercial Auto Insurance.

Commercial Auto Insurance for Cleaning Service Professionals

Commercial Auto Insurance is the best option for maids and cleaning services that use owned vehicles for work, including:

  • Owned company vehicles. These are the van, trucks, or cars that your business holds the title to and uses exclusively for work-related purposes.
  • Personal vehicles. If you drive your personal vehicle for work, you need a Commercial Auto Insurance policy. That's because your Personal Auto Insurance policy likely excludes coverage for work-related driving accidents.
  • Your employees as they drive your vehicles. If your employees drive company vehicles, your Commercial Auto Insurance policy can protect them in the event of an accident. In fact, it's illegal for employers to make employees pay for insurance on company vehicles.

Commercial Auto Insurance helps cover company-owned vehicles as well exposures that you may face while driving your personal car for work. Read on to find out how to keep yourself and your employees safe in vehicles not owned by your business.

Hired & Non-Owned Auto Insurance for Cleaning Service Professionals

Hired & Non-Owned Auto Insurance is an affordable, versatile insurance policy for cleaning service professionals of all types. It's for all the times your business drives any borrowed or un-owned vehicles, including…

  • Rental cars. Once in a while, you may need to take a business trip to another city and renting a car will be in order. With a Hired & Non-Owned Auto Insurance policy, you don't have to pay the extra fees to purchase rental insurance.
  • Your employees' vehicles. If your employees drive their personal vehicles for business, then Hired & Non-Owned Auto Insurance can save everyone a lot of heartache, should an employee get into an accident while driving for work. Remember, your employees' Personal Auto policy probably doesn't include coverage for work-related accidents either.
  • Car shares. If you ever use a car-sharing service, your Hired & Non-Owned Auto policy can help boost the "free" Auto Insurance that is usually included with the rental. Standard car-sharing policies have low limits that can easily be exceeded in the event of a multi-person crash. Additionally, these policies tend to have minimal bodily injury coverage for the driver.

Hired and Non-Owned Auto Insurance is a policy that adds extra security to your small business insurance plan for those worst-case situations. The good news is that this coverage tends to be affordable. It can usually be bundled into your General Liability Insurance policy or written up as standalone coverage.

Commercial Auto and Hired & Non-Owned Auto Insurance: Protecting Janitors, Maids, and Other Cleaning Professionals

Commercial Auto and Hired & Non-Owned Auto Insurance: Protecting Janitors, Maids, and Other Cleaning Professionals

Commercial Auto and Hired & Non-Owned Auto Insurance is designed to protect maids, janitors, and other cleaning professionals from the high costs associated with motor vehicle accidents.

According to the CDC's National Center for Health Statistics, motor vehicle accidents are the leading cause of fatal accidental injuries in the United States. Should your business be found liable for one of those accidents, your Auto Insurance coverage will kick in with two major benefits:

  • Property damage. This can include vehicle damage — both yours and the other party's — as well as other types of property damage, like the kind that comes from running into someone's closed garage door. Some Auto Insurance policies will also cover damage done with malicious intent, such as theft and vandalism.
  • Bodily Injury. This part of your Auto Insurance helps you pay for the medical expenses associated with motor vehicle crashes and other incidents.
  • Legal Expenses. Some types of Auto Insurance policies can help you pay for legal expenses when someone sues you after a car crash. This might include costs related to legal counsel, investigation, defense, settlements, and judgments.

It's important to realize that Commercial Auto Insurance and Hired & Non-Owned Auto Insurance cannot protect property — including your cleaning supplies — that you may be transporting in your vehicle. For that, you would need an additional type of coverage called Inland Marine Insurance, which protects property in transit from one place to another.

For more information about this coverage, read "What Is Inland Marine Insurance?" on our blog.

Cleaning Service Professionals: Get Commercial Auto Insurance or Hired & Non-Owned Auto Insurance Quotes

Cleaning Service Professionals: Get Commercial Auto Insurance or Hired & Non-Owned Auto Insurance Quotes

As a cleaning professional, you can receive Commercial Auto Insurance or Hired & Non-Owned Auto Insurance quotes by contacting an insureon agent. If you'd rather fill out an electronic application, you can receive your insurance quotes via email.

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