Here at InsuranceHub, we have experience helping:
- Janitors and janitorial services: Whether you clean industrial accounts or commercial accounts, whether you are a one person crew cleaning one account or a franchise with a fleet of trucks we are ready to help you. We understand the possible liabilities that arise from trash removal, cleaning restrooms, eating areas and windows, dusting, vacuuming, polishing, mopping and sweeping of floors and carpets.
- Carpet and upholstery cleaners: Do have 1 truck or a dozen trucks on the road? It doesn't matter to us. We want to help you protect your rug cleaning business. We understand the possible liabilities that arise from cleaning rugs, carpets and upholstery at a customer's home or business. We understand that removing furniture, vacuuming the carpet, then applying a cleaning solution with an extraction machine that vacuums up the dirty left over solution involves risk at the same time. Special coatings, such as stain-proofing or water-proofing, may be applied. The extraction machines may be self-contained in small operations, but usually are connected to a truck by large hoses that provide the water and remove and store the used solution. We also understand that customers can be difficult to please at times.
Types of exposure that janitorial or carpet cleaning companies need insurance protection for:
Premises liability exposure: This is probably the biggest liability you have since you work on the clients premises. There is always the risk of someone slipping and hurting themselves. There is also the risk of scratching, staining, damaging or breaking the clients belongings. Please use caution signs to warn people when cleaning and mopping an area.
Another problem occurs when cleaners and janitors fail to lock the premises during their cleaning or after completion. Do you currently have a lock up procedure for your workers? Is there a checklist that is reviewed before leaving the premises?
Crime liability: Employee dishonesty in regards to stealing valuable or confidential information. Take the time to do background checks before hiring and permitting any employee on the clients' premises.
Property exposures: If you store cleaning supplies and equipment at your office or garage then this applies to you. Store all cleaning supplies may contain flammable chemicals in approved storage containers and cabinets to reduce fire potential. Keep all dirty rags that have flammable cleaners on them away from anything that could cause a fire potential.
Inland marine exposures: Janitorial supplies, vacuum cleaners, floor polishers and buffers, carpet cleaning extractors are expensive to replace. If you carry them back and forth to the jobs on your truck you will need to protect these from damage or theft. Perhaps you might even store your equipment at your clients site.
Bailees exposure: If you have clients property in your care, custody and protection then you may need Bailees customer floater. This is designed to protect you in case you damage very expensive furniture, Persian rugs or drapery.
Automobile exposures: Do you have company owned vehicles? Then check drivers records to minimize your risks. Do you have your workers running errands or using their cars for moving equipment and supplies to their work assignment? Please speak to your agent to protect your liabilities here.
Workers compensation exposure: If your workers use chemicals and cleaning agents they are allergic to their may be side effects like lung, eye or skin irritations. Teach your workers about the correct way to move and lift heavy equipment like floor polishers and furniture. Common injuries include slipping, lifting, back injury, hernia, sprains and strains.
Minimum recommended janitorial insurance or carpet cleaning insurance coverage:
- Business Owners policy
- Business Personal Property
- Employee Dishonesty
- Accounts Receivable
- Contractors' Equipment
- Valuable Papers and Records
- Extra expenses
- General Liability
- Employee Benefits Liability
- Commercial Umbrella Liability
- Hired and Nonownership Auto Liability
- Workers Compensation
Other janitorial insurance or carpet cleaning insurance coverages to consider:
- Business Income with Extra Expense
- Bailees Customers Floater,
- Computer Fraud
- Money and Securities
- Special Floater
- Employment Practices Liability
- Automobile Liability and Physical Damage
- Environmental Impairment Liability
- Stop Gap Liability
- Physical Damage