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7 Things to Know before Buying Insurance for Your Janitorial, Housekeeping, or Cleaning Business

As a cleaning professional, you know that business insurance can safeguard your maid, janitorial, housekeeping, or chimney cleaning company from the severe financial risks of lawsuits and property damage. But as you begin your search for coverage, the sheer volume of coverage types, providers, and options can be confusing and overwhelming. You may be asking yourself whether it's in your best interest to work with an insurance agent or how you can be sure you trust your insurance carrier. Then there are the details of your coverage: which deductible amounts could you safely take on? Are your policy limits high enough? What do you need to insure, and what can you exclude from coverage?

Of course, these questions can be helpful in guiding you toward the appropriate policy, carrier, and terms of coverage. Before you delve deeper into your search, take a moment to consider the answers to some of these common coverage questions.

Business Insurance Tips for Cleaning Professionals

Cleaning professionals understand that training, experience, and top-tier customer service aren't enough to safeguard a business from financial ruin. Given the prevalence of lawsuits, natural disasters, and jobsite accidents, a comprehensive business insurance plan is a welcomed safety net should the unexpected happen. That's why maid, janitorial, and cleaning services rely on their business insurance coverage to fund legal costs, quickly replace damaged equipment, and help pay for medical expenses. These financial setbacks could close a business's doors for good without adequate protection.

As you begin your hunt for cleaning business insurance coverage, keep in mind these seven tips for finding a policy that safeguards against the unique risks your business faces:

#1. Know your industry's risks.

1. Know your industry's risks.

Take inventory of the risks your business encounters both on the job and at the office. You'll want to account for your business assets, such as the cleaning equipment you use to perform your work. But you'll also want to consider the non-owned property you handle or care for, such as your client's valuables or equipment. If an accident should happen, will you have the funds to compensate for the damage? Consider the accidents or injuries your employees could face at work, such as exposure to toxic chemicals and materials, slick surfaces that cause falls, late nights on the job, and repetitive motion injuries. Even seemingly small accidents can result in costly, drawn-out lawsuits and exorbitant medical expenses. Once you have examined possible avenues of risk, you're ready to find the policies that can protect your business against these potentially costly scenarios.

After you apply for a policy, your insurance provider will also assess your business's risks to determine the risks they'll take on, the extent of your coverage, and your premium. This process is called "underwriting." This is why assessing and prioritizing your risks and coverage needs is important — you want to make sure your most pressing concerns are addressed by your policy. It's also wise to reassess your risks annually because as your business grows, you may be vulnerable to more risks.

#2. Work with top-rated insurance providers.

2. Work with top-rated insurance providers.

You may have noticed that the term "A-rating" comes up in your search for insurance carriers. In short, an insurance company with a top rating has a reputation for providing quality products and reliable payouts. They are also nationally recognized for their service. If you're trying to differentiate between a hyperbolic sales pitch and a legitimate offer, check the provider's rating. If they're not rated, be wary. However, if you're too busy to do this much digging around, know that working with an insurance agent is an efficient way to find a trusted provider.

When you work with licensed insurance agents — such as the insurance experts at insureon — you save the stress, confusion, and time needed to research providers on your own. Our agents have longstanding relationships with the nation's top carriers, meaning we can send you multiple quotes for comparison from top-tier providers in minutes. We're happy to save you valuable time and offer products that match the needs of your cleaning business. If you're ready to protect your business without taking your focus away from your clients or business, talk to one of our licensed insurance agents today!

#3. Prioritize coverage over cost.

3. Prioritize coverage over cost.

For small-business owners, cost is an important consideration when it comes to business insurance. After all, in the early stages of your business, money can be tight. However, it's important to think of business insurance as a necessary expense that can save you millions in the long run if your business is ever sued. One lawsuit can potentially close your business doors for good and put your personal assets at risk of collection.

Bear in mind that cheaper policies may come with unexpected surprises, such as limited coverage, slow payouts, or low premiums that skyrocket later. Should a covered claim occur with an inadequate policy, you could be responsible for paying far more out of pocket than your cleaning business can comfortably spare. That's why we recommend opting for a policy that provides the amount of coverage you actually want in a time of crisis from a provider that you can trust will come through for you.

For an affordable and comprehensive policy, you may want to consider a Business Owner's Policy (BOP) for your cleaning business. If your business is considered low-risk and meets certain other criteria, you can purchase a BOP, which bundles General Liability Insurance and Property Insurance into one policy. In addition to a broad scope of coverage, you can usually purchase this plan at a slightly discounted rate, too. When you partner with insureon, we can help you determine the amount of coverage that will adequately meet your business needs — no more, no less. Talk to your insureon agent about your cost-saving business insurance options today.

#4. Work with an insurance agent who knows your industry.

4. Work with an insurance agent who knows your industry.

As the owner of your janitorial, housekeeping, or cleaning business, you don't want to leave your hard-built company in the hands of just anyone. Working with someone who understands your industry — from what your work entails to the unique risks you face — means you can rest assured that you will have the coverage you need in times of financial upheaval. The industry experts at insureon can help you find cost-effective coverage from top-rated carriers that offer products specifically for your business.

Typically, maid, janitorial, and cleaning services businesses will want to carry the following types of insurance:

  • General Liability Insurance.
  • Property Insurance / Business Owner's Policy (BOP).
  • Workers' Compensation Insurance.
  • Umbrella Liability / Excess Liability Insurance.
#5. Know your business insurance policy.

5. Know your business insurance policy.

Each insurance provider's policies come with different limits, premiums, deductibles, and exclusions. That means it's imperative that you understand the precise terms of your policy so you can be certain your business will be protected when it comes time to file a claim. When you know your policy, you can be sure there are no gaps in your coverage and no surprises down the road. If you are unsure about the terms of your policy, ask your insurance against to clarify before you sign.

#6. Consider the deductible.

6. Consider the deductible.

A deductible is the amount your business must pay before your coverage will kick in for a claim. Because most policies come with a deductible, you'll want to consider the amount your business could comfortably pay out of pocket if a claim arises. Though higher deductibles come with lower premiums, they can cause financial stress if you have to make a claim. Policies with a lower deductible tend to have a higher premium, but they also come with the assurance that you will pay a smaller amount when you file a claim.

#7. Overestimate your insurance needs.

7. Overestimate your insurance needs.

If your cleaning business is ever sued, the litigation process can be a long and costly ordeal. From hiring an attorney to paying settlements and other court costs, the expenses add up quickly. To safeguard your business from these exorbitant costs, it's better to overestimate your coverage needs rather than underestimate them. If you already have policies in place, but don't think the limits are high enough, you may consider purchasing Umbrella Liability Insurance. This policy can strengthen your General Liability and Employer's Practices Liability policies for a single premium. Plus, this option is typically only a couple hundred dollars a year, making this an affordable option for small business owners. Contact your insureon agent today to see if an Umbrella policy is appropriate for your business protection needs.

Insurance Policies Tailored for Your Janitor, Maid, and Cleaning Services Business

Insurance Policies Tailored for Your Janitor, Maid, and Cleaning Services Business

The Cleaning Services Specialist agents at insureon are ready to help you find a business insurance plan that gives you peace of mind and the financial security you need to grow your business. If you're ready to safeguard your business against unforeseen events, complete our easy online application. Usually, we can provide you with competitive quotes from top-rated insurance providers in minutes!

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