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A client slipping on a wet floor or the theft of expensive cleaning equipment could financially devastate a small cleaning company. Insureon helps you find the types of insurance you need to survive the unexpected.
A general liability policy covers common cleaning risks, such as client property damage and injuries. It's often the first insurance policy purchased by a cleaning business.
Almost every state requires workers' comp for cleaning businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
Commercial auto insurance provides property and liability coverage in an accident involving your business vehicle. It also covers vehicle theft and vandalism.
Small cleaning business are often eligible for a business owner's policy. A BOP bundles general liability and commercial property insurance at a discount.
Commercial umbrella insurance boosts business insurance coverage for general liability insurance, commercial auto insurance, and employer's liability insurance.
Janitorial bonds are a type of surety bond. They protect cleaning and janitorial businesses against employee dishonesty, such as theft of client property.
Cleaning businesses that purchase commercial auto insurance often:
Check the laws in your state to see when coverage is required.
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MALE VOICEOVER: From house cleaners to commercial janitorial services, cleaning businesses face several risks daily. Having the right insurance will protect your cleaning company from accidents, equipment theft, and other financially devastating claims.
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So, which types of business insurance should a cleaning business carry?
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The most popular and often required policies include:
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General liability insurance, which protects against basic third party risks, such as a customer injury, or damage to their property.
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[video: Under above header, three bullet points display the text: "Customer bodily injuries"; "Damaged customer property"; "Libel and advertising injuries"]
Workers' compensation insurance is usually required for businesses with employees, and protects against workplace illnesses or injuries.
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[video: Under above header, three bullet points display the text: "Employee medical expenses"; "Disability benefits"; "Legal fees from lawsuits"]
Commercial auto insurance covers vehicle theft, vandalism, and accidents involving your company's vehicle. Most states require this coverage for businesses that own vehicles.
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[video: Under above header, three bullet points display the text: "Physical damage and collisions"; "Injuries caused by your vehicle"; "Repairs due to weather or vandalism"]
A business owner's policy, or BOP, bundles general liability and commercial property coverage together. It usually costs less than purchasing each of these policies separately.
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[video: Under above header, three bullet points display the text: "Client accidents"; "Stolen or damaged business property"; "Business interruptions"]
Janitorial bonds provide reimbursement to your client if an employee steals from them. These bonds are sometimes required in client contracts.
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[video: Under above header, three bullet points display the text: "Employee theft or fraud"; "Illegal funds transfer by an employee"; "Client contract requirements"]
Your unique business operations will likely determine what types of insurance you need and how much of a specific coverage you should carry. It's best to speak with your insurance agent to understand which policies can meet both your business needs and your budget.
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Get free insurance quotes for your cleaning business with Insureon today.
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Click the link to get started.
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Insureon helps a wide range of businesses get the coverage they need from top-rated U.S. insurance carriers. Complete our easy online application to get free insurance quotes.
Our licensed insurance agents can help you choose the best cleaning insurance policies that meet the needs of your small business.
You’ll typically be able to get coverage quickly and receive a copy of your insurance certificate on the same day.
A small cleaning business can expect to pay less for insurance than a larger business. Several factors affect the cost of cleaning insurance, including:
It's easy to get business insurance for your cleaning business.
Whether you're looking for cleaning insurance for self-employed professionals or a multi-person operation, you'll need to have some basic info about your business on hand, such as annual revenue and number of employees, to get free quotes.
You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance for your cleaning business, whether you work independently or have several employees working for you.
Hear from customers like you who purchased small business insurance.
Many states and local governments require a license for any business, including a cleaning services company. It’s a good idea to check your state and local licensing laws when you start a cleaning business.
Your state may require a vendor’s license or business license. This allows you to collect and report sales tax on the cleaning supplies you buy, if you charge your clients for the products you use.
If you call your business by any name other than your own, you’ll need a doing business as (DBA) license.
You can apply for a license or find out what’s required, through your state’s department of revenue, department of taxation, secretary of state, or your local city or county clerk.
Your state may require your business to be bonded and insured. Even if not required, being fully licensed, bonded, and insured can help you promote your business and give you an edge over the competition.
You may need a janitorial bond before you can apply for a business license. It provides a financial guarantee that the insurer (which issues the bond) will reimburse a client if your business fails to deliver its contracted services, or if one of your employees steals from a customer.
Most states require businesses with employees to have workers’ compensation insurance. This policy covers medical bills if an employee suffers a work-related injury or illness. Your employees’ regular health insurance is unlikely to cover medical expenses from a work-related mishap.
If your business owns a vehicle, you’ll also likely need commercial auto insurance.
To fully protect your cleaning business from all risks and liabilities, you may need additional types of coverage.
This includes:
Commercial property insurance covers property damage at your business’s physical location and other assets, like equipment. It covers the cost of repairing or replacing stolen, lost, or damaged business property.
If you or your employees use personal, leased, or rented vehicles for work you may need hired and non-owned auto (HNOA) insurance. Your personal auto insurance is unlikely to cover you for a work-related accident, such as visiting a client’s home or taking supplies to a job site.
Inland marine insurance provides coverage for business property, such as products, tools, and equipment, while it’s in transit over land or stored at an off-site location. Your general liability insurance covers these items while they’re being stored at your business, but not on the road.
One type of inland marine insurance is contractor's tools and equipment coverage. This is perfect for any cleaning business, such as carpet cleaners, whose equipment may be valued less than $10k and less than five years old.
Your cleaning business may need licenses, bonds, and commercial insurance to operate legally. While it might seem like a lot, these added forms of protection can provide peace of mind for your...