As a janitorial service provider, having General Liability Insurance is essential to protect your business from the risks and liabilities that come with the job. Whether you’re cleaning offices, schools, or healthcare facilities, your work environment is full of potential hazards. This insurance is there to cover you if something goes wrong, like if a client slips on a wet floor you just mopped. If that happens, Janitorial General Liability Insurance can help cover their medical bills and any legal fees if they decide to take legal action.
Damage to Rented Premises: This coverage pays for damages caused to a property you rent for your business operations, such as fire or other specific damages listed in the policy.
Medical Expenses: Covers the medical costs if a third party is injured on your business premises, regardless of who is at fault.
Personal and Advertising Injury: Protects against claims related to libel, slander, copyright infringement, and other advertising injuries that could harm someone’s reputation or business.
General Aggregate: This is the total amount your insurer will pay for all claims during the policy period, excluding specific types of claims like Products/Completed Operations.
Products/Completed Operations: Covers liability claims related to products you manufacture or services you have completed that cause injury or damage after the work is done or the product is sold.
Property Damage: This coverage applies when your business operations result in accidental damage to someone else’s property. For example, if you or your employees accidentally break a client’s valuable item while on a job, or if your equipment causes damage to a building, General Liability Insurance would cover the cost of repairs or replacement. This ensures that such incidents don’t lead to out-of-pocket expenses or strained relationships with clients.
Bodily Injury: If a non-employee is injured on your premises or as a direct result of your business activities, this coverage comes into play. For instance, if a customer slips on a wet floor at your workplace or if a passerby is injured by falling debris from your worksite, General Liability Insurance would cover medical expenses, lost wages, and potentially legal fees if the injured party decides to file a lawsuit. This coverage helps protect your business from the high costs associated with injury claims.
Legal Expenses: Defending your business against lawsuits can be incredibly costly, even if you are not at fault. General Liability Insurance covers the legal costs associated with defending against claims of property damage, bodily injury, or other covered incidents. This includes attorney fees, court costs, and settlement expenses. Having this coverage means you can defend your business without worrying about the financial burden that legal battles can impose, allowing you to focus on running your business smoothly.
General Liability Insurance generally does not cover:
Bodily Injury: A client trips over a vacuum cord while you’re cleaning their office, resulting in a broken arm. Your General Liability Insurance would cover their medical bills and any legal costs if they decide to sue.
Property Damage: While cleaning a commercial space, you accidentally knock over and break a valuable piece of equipment belonging to the client. Your insurance would cover the cost of repairing or replacing the damaged item.
The cost of General Liability Insurance for janitorial services varies based on several factors, including your location, number of employees, revenue, and the specific details of your operations. Factors such as your claims history, the size of the contracts you handle, and the types of services you provide also influence the premium. Below are some of the coverage options we can offer tailored to your needs.
We’re big believers in keeping things simple, so ask us anything and we’ll answer honestly and without the jargon.
How to prevent jobsite accidents?
Here are 10 additional short safety tips for janitorial services:
How to get a certificate of insurance?
Once you purchase an insurance policy with USA Insurance, we will email your certificate of insurance. This document is essential for proving your coverage to clients, vendors, and other stakeholders.
What to know before buying janitorial services insurance?
Obtain all your insurance requirements from your contractors, subcontractors, vendors, clients, state or local government office, or whoever wants to check your insurance, before you purchase this insurance. This is to make sure all your requirements are addressed.
Do I need business insurance if I work from home?
Yes. Even if you operate from home, business insurance is important. Homeowners insurance typically does not cover business-related claims, so a separate policy or a rider on your homeowner's policy might be necessary.
Is business insurance required by law?
Some types of insurance, such as Workers' Compensation and Commercial Auto Insurance, are required by law in many states. Other types, like General Liability or Professional Liability, may be required by clients or landlords.
Can I change my business insurance policy?
Yes, you can adjust your policy as your business grows or your needs change. It’s advisable to review your coverage annually or when significant changes occur in your business.
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