Download - Janitorial insurance
JANITORIAL
INSURANCE
What to Consider When Securing Insurance for Your
Cleaning Business
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OVERVIEW
YOUR EXPOSURES
INSURANCE SOLUTIONSspecifically designed for janitorial services
MAKING THE SELECTION
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JANITORIAL SERVICE EXPOSURES
BASICSBefore addressing exposures unique to
the janitorial industry, it’s important to acknowledge the basic exposures your operation faces—as a small business. First, consider the basic coverages provided in a standard business owners policy and determine what limits your comfortable with, starting with general liability and business property.
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JANITORIAL SERVICE EXPOSURES
JANITORIAL RISKS
Most cleaning services obtain copies of their clients’ keys—whether they’re homes, offices or other spaces. This becomes a liability in the event they keys are misplaced or lost..
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JANITORIAL SERVICE EXPOSURES
JANITORIAL RISKS
Cleaning involves rearranging objects, wetting floors and moving potentially hazardous obstacles in the path of those nearby. The nature of the industry’s operations puts janitorial businesses at risk for lawsuits related to resulting injuries.
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JANITORIAL SERVICE EXPOSURES
JANITORIAL RISKS
Cleaning requires direct contact with property that belongs to your clients and/or third parties. Thus, your cleaning business may be responsible for replacing any damaged property associated with your operations.
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JANITORIAL SERVICE EXPOSURES
JANITORIAL RISKS
Many janitorial services travel from one location to another, carrying expensive equipment along the way. The constant handling, maneuvering and transportation of this equipment increases the likelihood of accidental damage, a financial risk inherited as a janitorial business owner (and minimized with the right policy!).
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JANITORIAL INSURANCE SOLUTIONS
GENERAL LIABILITYGeneral Liability is one of the most
pervasive policies on the market today. It provides the wherewithal needed to pay damages meant to address bodily injury or property damages. The policy provides coverage for liability issues resulting from personal injury and advertising injury, including medical expenses.
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JANITORIAL INSURANCE SOLUTIONS
COMMERCIAL PROPERTYTypically, Commercial Property
coverage includes: Computers (hardware and
software) Inventory (supplies) Office Interiors (furniture and
décor) Structural Issues Signage (interior and exterior)
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JANITORIAL INSURANCE SOLUTIONS
CONTRACTORS EQUIPMENT
Contractors equipment coverage provides insurance designed to meet the needs of clients in the construction industry with significant equipment—also applicable to the janitorial industry.
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JANITORIAL INSURANCE SOLUTIONS
RENTAL REIMBURSMENTRental reimbursement coverage applies to
the janitorial industry because cleaning services depend on their equipment. For instance, if a piece of a equipment was damaged, contract/business obligations may still require use of that equipment. This coverage would reimburse you for the cost of the rental up to the policy limits, while your equipment is being repaired.
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JANITORIAL INSURANCE SOLUTIONS
LOST KEY COVERAGE
Covers the legal liability of the insured to refit a building with new locks and keys after the loss of a master key held in the insured's care, custody and control.
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JANITORIAL INSURANCE SOLUTIONS
PROPERTY DAMAGE EXTENSION ENDORSMENT
Property Damage Extension Endorsement provides coverage for damages an insured becomes legally responsible for due to property damage to the property of others while in the case, custody or control of an insured. Because janitorial services depend on direct contact with other people’s belongings, this is a coverage to highly consider.
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MAKING THE SELECTION
SHOP AROUNDIn order to get BETTER coverage for
LESS, it’s important to look around and “shop” the market. Or, choose an independent insurance agency that represents multiple, A-rated reliable carriers and is able to do the shopping for you!
(Plus! An experienced agent will know when you’re comparing apples to apples, or apples to oranges. Not all policies are created equal!)
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MAKING THE SELECTION
OTHER BENEFITSSome insurance agencies will provide free
resources and added perks for being a policyholder!
For example: Gillman Insurance provides free and discounted background checks to most janitorial services policyholders, access to a small business resource center and an opportunity to be featured on their website’s Partner Page!
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MAKING THE SELECTION
READ REVIEWSMore and more purchasing
decisions are influenced by customer reviews… for good reason! Nobody can tell you why to choose an agency better than an actual customer!
Check out Gillman Insurance Google reviews here!
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MAKING THE SELECTION
REQUEST A FREE PROPOSAL
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or ONLINE at
http://www.gillmanins.com/business-insurance/janitorial/
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at www.gillmanins.com! DISLAIMER: The content of this presentation is provided for informational purposes
only. It is not intended nor should it be viewed as legal advice. No one should act or refrain from acting on the basis of any information in this website without seeking the appropriate professional counsel on his or her particular circumstances. Although every effort is made to provide accurate and useful information, Gillman Insurance, Inc. and all third party contributors, assume no legal liability for the accuracy, completeness, or usefulness of any information disclosed on this site.
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