Insurance for Cleaning Services

Key Coverages for Cleaning Businesses

General Liability Insurance: While mopping a client’s office floor, a cleaning staff member might leave a slippery area that causes a client to slip and injure themselves. General liability insurance can cover the medical expenses and legal fees, keeping your business protected from significant financial losses.

Commercial Property Insurance: A break-in at your storage facility could result in the loss of cleaning supplies and specialized equipment. Commercial property insurance helps replace stolen tools and supplies so you can get back to business without extensive downtime.

Business Interruption Insurance: A fire could force your business to pause operations for repairs. Business interruption insurance helps cover lost income and fixed expenses, keeping your finances stable during closures.

Workers’ Compensation Insurance: A janitorial staff member could hurt their back while moving heavy equipment and need time off for recovery. Workers’ compensation insurance ensures they receive appropriate medical care and wage replacement, protecting both the employee and your business.

Commercial Auto Insurance: On the way to a client’s site, your cleaning crew might get into an accident that damages the company vehicle and the cleaning equipment inside. Commercial auto insurance covers repair costs and can help replace the necessary tools.

Equipment Breakdown Insurance: A mechanical failure in your floor scrubber or vacuum system could lead to costly repairs. Equipment breakdown insurance helps cover the repair or replacement costs, keeping your services on track.

Cyber Insurance: If your cleaning business handles client information online, a data breach could expose sensitive information. Cyber insurance covers the costs of managing the breach, notifying clients, and dealing with potential lawsuits.