Janitorial and Custodial Insurance
If you’re a janitor, you’re regularly working on the property of your customers in offices and building complexes. Your job requires you to move items and use harsh chemicals. Your business should be protected by a General Liability Insurance Policy from our agency.
General liability insurance for janitors will protect you from:
- Slip and fall accidents
- Damage to property owned by others
- Libel and slander
- Attorney fees
- Court ordered judgments
For injuries to employees, you need a Workers Compensation policy.
Janitors have many options for insurance needs and it is up to you to decide what is best for your business. We understand you might only need general liability insurance – not a business owners policy or BOP. With a business owners policy, your small business can get property insurance, liability insurance, and additional protection all in one place. Small business owners insurance coverage will protect you from:
- Property claims
- Equipment breakdown
- Income loss
- Professional liability claims
- Products and completed operations claims
- Fire legal liability claims
- Premises liability claims
Contact us today to discuss your business insurance needs.
Frequently Asked Questions
Can janitorial insurance cover accidental damage to a customer’s property?
General liability insurance may respond to certain covered claims involving accidental property damage or bodily injury. Coverage depends on the incident and the policy’s conditions, exclusions, limits, and deductible.
Does insurance cover customers’ property while cleaners are working nearby?
Coverage involving property in the business’s care, custody, or control may be limited under a standard liability policy. Janitorial companies should discuss their services and customer-property exposure with an agent.
Can a cleaning business obtain coverage for employee theft?
A janitorial bond or crime coverage may be available for certain losses involving employee dishonesty or theft. Texas cleaning businesses should review who is protected, who may file a claim, and applicable limits.
Are cleaning supplies and equipment covered?
Coverage may be available for eligible vacuums, floor machines, cleaning supplies, and other equipment. Businesses should review protection for property stored at their office, inside vehicles, or at customer locations.
Are subcontracted cleaners covered under a janitorial company’s policy?
Subcontractors are not necessarily covered automatically. Cleaning businesses should use written agreements, verify insurance, and disclose subcontracted work to their insurance agent.