Janitorial and Cleaning Business Insurance
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Why Does Your Business Need Cleaning and Janitorial Business Insurance?
Cleaning and janitorial business insurance is important for businesses like yours, where slips and falls are common. Your company could be held responsible for injuries, whether to your employees or building occupants. A workers’ comp policy covers your employees, while a general liability policy covers legal fees and damages awarded for injuries to non-employees. It can also cover damage to your clients’ property, like if you accidentally stain carpet or furniture. A commercial auto policy can protect your business if an accident occurs while traveling between client properties.
Our Insurance for Cleaning Businesses Covers Companies That Include:
- Cleaners
- Cleaning Service company owners
- Housekeepers
- Janitors
- Janitorial service company owners
- Maids
- Maid service company owners
- Window cleaners
- Window cleaning company owners
- Air duct cleaning services
- Carpet cleaning, rug cleaning, and upholstery cleaning companies
- Dry cleaners and launderers
- Dry cleaning plants
- Waste and garbage collection company owners
- Sewer or tank cleaning services
- Street cleaning services
- Swimming pool service technicians
- Swimming pool cleaning services
What Does Insurance for a Cleaning Business Cost?
The cost of insurance for a cleaning company is calculated based on a number of factors. These include your location, business size, the type of cleaning or janitorial work you do, and your claims history. You can get cleaning business insurance cost quotes online for the different policies you need.
What are the Different Types of Cleaning Business Insurance That Owners Should Consider?
At biBERK, we offer six different types of cleaning services insurance for small business owners like you. Depending on the location of your business and other factors, certain types might be better for you than others.
Workers' Compensation insurance
This type of cleaning company insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.
Workers' Compensationchevron_rightGeneral Liability insurance
Also known as commercial liability insurance, a general liability policy covers damages and legal costs associated with injury claims by customers and other people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your cleaners’ liability insurance policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
General Liabilitychevron_rightBusiness Owners Policy
Also called property & liability insurance, a business owners policy (BOP), combines general liability insurance with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
Business Owners Policychevron_rightCommercial Auto insurance
If your company owns or leases vehicles, this policy protects your business. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.
Commercial Autochevron_rightCyber insurance
This kind of insurance for cleaning company coverage can be purchased as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.
Cyber Insurancechevron_rightUmbrella insurance
Every cleaning services insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.
Umbrella Insurancechevron_rightWhy biBERK for Cleaning and Janitorial Insurance?
We’re the experts when it comes to small business insurance.
Save time.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.
Experienced.
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.
Get a Quote Today
See why biBERK is easier and more convenient for cleaning business insurance when you obtain your free quote online.