What types of business insurance do you need for a cleaning service?

6/13/2022 (Permalink)

What types of business insurance do you need for a cleaning service?

As you may know, business insurance protects your company and assets against natural disasters, property damage, bodily injury claims, and more. However, why should you get business insurance? While insuring and bonding, your cleaning business builds trust with your clients while protecting your company assets; general liability insurance, workers' compensation insurance, property insurance, and janitorial bonds keep your cleaning business safe from financial charges.

Insurance companies generally consider your coverage needs, claims history, number of employees, and other factors before providing you with a final rate and package. Regardless of industry, every small business should consider buying two primary forms of insurance: General liability insurance and business property insurance.

General Liability: Some clients might require you have this standard coverage before you can work for them. General liability coverage protects against lawsuits and accidents that might otherwise financially devastate your business. It can cover physical injury and property damage while on the job and protect your business from someone who claims to have been hurt or injured due to your business. It also covers you if your business causes property damage.

Commercial property insurance: Repairs or replaces your business building, equipment, and other assets after a fire and smoke, certain natural disasters, or burglary. It also includes property damage on a job site (e.g., an employee uses the wrong solution while mopping the floor of a client's home) and advertising injuries (e.g., you publish a defamatory statement about a competitor on social media).

Business owner's policy: Because two policies are better than one, combine general liability coverage with protection for your commercial buildings and personal property into one package. Replace employee wages, lost revenue, and other bills associated with being unable to operate your business for reasons covered under the policy, such as a fire, theft, vandalism, and severe weather.

However, A BOP doesn't cover your employees. You'll need a separate workers' compensation policy.

At SERVPRO, we certainly believe that every business could use Commercial Cleaning Services. Regular janitors or cleaning staff are perfectly capable of the day-to-day maintenance of the work area. Still, due to the high volume of traffic, the workspace gets daily, stain accumulates. When this happens, Commercial Cleaning Services are the best methods to keep up the work environment "Like it never even happened."

SERVPRO of Martin is always ready to respond straightway and work quickly to clean or restore your business. We understand that your property's look is important and that every hour spent restoring is an hour of lost productivity.

When you need a restoration or cleaning professional, SERVPRO of Martin County has the training and expertise to put you back on track. Among the commercial cleaning services we provide, you can find:

• Small Office Buildings
• Large Office/High-Rise Office Buildings
• Apartment Buildings
• Restaurants, Hotel/Motels
• Small Retail Stores
• Large Retail/Big-Box Stores
• High-Rise Residential
• Manufacturing & Industrial
• Government/Military

SERVPRO of Martin County offers services ranging from cleaning restaurant hoods to removing biohazard contaminants. We have the specialized training and products to get your property back to business.

Whether you need to remove an odor problem or a deep commercial cleaning service, you can rely on us. We'll respond promptly and make your workspace look it's very best. Learn more about our commercial cleaning services: Call us today - (772) 334-8762