Does Your Janitorial Services Company Have The Right Insurance Coverage?

May 23, 2014

 

Janitorial Service companies have many liability exposures that are not covered by a standard business general liability policy. Some of the unique liability exposures the janitorial service company faces are employees driving their own vehicle to a specific job location, employees having the keys to clients building and offices, and often working after business hours in the late evening without direct supervision. In many instances employees work near delicate and expensive equipment that could be easily damaged and they use cleaning solutions that can be astringent or cause floors and other surfaces to be slippery.

If the insurance coverage is not designed specifically for a janitorial service company, and if there is a claim or lawsuit you may not have coverage. Even if the allegations are groundless or frivolous. One claim or lawsuit that is not covered by your insurance can 
wipe out a company.

Your Janitorial Cleaning Service business needs a comprehensive protection package that includes coverage for:

1. General Liability
2. Business Auto
3. Workers Compensation
4. Bonding
5. Employment Practices Legal Liability
6. Property 
7. Equipment 
8. Excess Liability (Umbrella)
9. Crime 

Janitorial cleaning services have a wide range of risks and exposure which may not be covered by one policy alone. It’s very important to speak with an insurance agent who specializes in insuring your type of business. 
 
Tim Gonzales, CIC
California Southwestern Insurance Agency
(949) 707-1568 Direct
(800) 350-3467 Toll Free

tgonzales@csia-ins.com

California Insurance Lic. #0443354

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