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When your job involves keeping the interior of buildings clean, it’s essential that you ensure your entire team is protected on the job. After all, when you’re using different chemicals and equipment every day as you work on improving someone else’s property, a lot could go wrong at any time. Fortunately, janitor insurance can pick up the pieces if you or your employees ever make a mistake at work. But first, you need to make sure your janitor insurance policy has the coverage your whole team needs.
What Type Of Insurance Janitors Need
Your janitor insurance policy should include these types of coverage for full protection in your industry:
- General Liability
- Tools Coverage
- Auto Insurance
- Surety Bond
Note that these are the minimum coverage choices, so you should look into additional options if you want to plan for just about every circumstance in your field.
How Much Is Janitor Insurance?
The cost you can expect to pay for janitor insurance depends on multiple factors. They include your location and the type of janitor insurance coverage you want. However, you can get an idea of the amount you’ll pay here:
- General Liability Insurance for a Janitor starts at $490 per year.
- Tools Coverage for a Janitor starts at about $200 per year for $10,000 tool inventory.
- Auto Liability Insurance for a Janitor starts at approximately $700 a year for a pickup truck.
How To Get Janitor Insurance
Before you can buy a janitor insurance policy, we need to know a few basic facts about your business. Keep in mind that the more information you give us, the more accurate your estimate will be for your janitor insurance policy.
Janitor Liability Insurance Explained
When you work in the janitorial industry, all of your work occurs on the property that the customer owns. This means there is a chance you could cause damage to your customer’s property, which could cost you thousands of dollars in repairs. The good news is that you can get liability insurance to cover any repair costs for the damage you cause on the job. For instance, if the cleaning solution you use stains the carpet, or if you knock over an expensive statue while cleaning, your liability coverage will pay for the repairs. It will also pay for the medical bills of customers who are injured as a result of your work. So if someone slips on a wet floor after you mop, your liability insurance will cover the medical bills.
In addition, liability coverage can pay for your legal fees if you’re accused of copyright issues, libel, slander, etc. And if you rent an office for your business, general liability will pay for the damage you caused to the building you rent.
Janitor Tools Coverage
Being a janitor requires you to use certain types of tools and equipment on a daily basis. For example, you might bring a vacuum, expandable duster, mop and bucket, and an array of cleaning products with you to work every day. What would happen if you lost these items, or if they were stolen from your office? If you couldn’t afford to replace them immediately, you would miss out on valuable work time until you could buy more tools and equipment for the job. But when you add tools and equipment coverage to your janitor insurance policy, you don’t have to worry about this possibility. It covers the supplies you need for this job, whether you bought them or are renting them when the theft or loss occurs.
Janitor Auto Insurance
Since you’re usually working on customers’ property as a janitor, driving is likely a big part of your workday. This means there’s a risk you will end up in a car accident, which could lead to property damage and hospital bills. Maybe you feel protected because you have personal car insurance, but the reality is that this type of coverage doesn’t usually cover costs stemming from a car accident in a company vehicle. This is why you need to add commercial auto insurance to your janitor insurance policy if you want to ensure that car repairs and medical assistance are paid for after an accident.
A surety bond is meant to prove that you intend to complete the job you’re being paid to do. This often makes customers feel confident in your commitment to your services, so they may be more likely to hire you as a janitor. A surety bond may even be required for some jobs. Either way, you should add a bond to your janitor coverage. In particular, these are the types of surety bonds that are recommended for janitors:
- Contractor’s License Bond
- Contract Bond
- Performance Bond
- Janitorial Bond
- Dishonesty Bond
- ERISA Bond (For Directors and Officers)
- Bid Bond
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