The Business Insurance You Need for Your Janitorial Service

Opening a new business is an exciting opportunity with plenty of potential. Yet, every business needs customized business insurance to help keep that company moving forward. If you are planning a janitorial business, it helps to have a policy that addresses many of the concerns your business faces. This type of service business can have a wide range of potential risk factors. As you consider opening your doors, consider these policy options.

Property Insurance

The foundation of any business insurance plan is having the right type and amount of property insurance. It covers your assets. If you operate out of an owned or leased building, it can also protect your business’ structure. All of your equipment and overall systems can generally be covered under these policies. It is best to name the types of equipment you own and estimate value on the policy to ensure ample protection is available should the equipment fail or is stolen.

Commercial Auto Insurance

Janitorial services that travel often require commercial auto insurance as a part of their business insurance plan. This coverage protects your vehicle and your employees driving it. It also can help protect against negligence claims associated with vehicle accidents. It also offers contents coverage, depending on the policy, for your onboard equipment.

Liability Insurance

Every janitorial company provides their customers with a service. If that service fails or if a mistake is made and property damage occurs, the business can be liable for those losses. General liability insurance is a first step, but it may be necessary to extend this coverage to provide a higher level of protection. Liability insurance can safeguard against claims made against your company for negligence, omissions or errors made during the normal course of business.

What else does your janitorial service need coverage for? If you have employees, workers compensation is necessary. You may need additional protection for an onsite business, such as operating in a hospital or doctor’s office. Work with your business insurance provider to ensure all of the coverage you need is in place. That can help your business to flourish and to achieve all of its goals. Most importantly, it can help protect your business’ assets and even your personal assets from claims.