Comprehensive insurance coverage for a cleaning company is unique. Why? Nearly 100% of the job is spent working on other people’s property.
Your employee can damage property that belongs to someone else, or another business.
For instance, a computer can be damaged during the cleaning process. Now you may say to yourself, computers are cheap, that desktop is probably only worth a few hundred dollars. And you’d be right. But the data recovery, or worse yet, loss of sensitive data can be very costly.
Because your employees have access to your customer’s equipment, theft, and dishonest practices are always possible. If an employee is held responsible for a crime, you could be held responsible for the loss.
But, the good news is, we’ve got your back at Inspire Insurance Services in Roseville. We also can write bonding insurance which acts as a way to fill in the gaps where other insurance may leave off, covering replacements of electronics, or other high-value items that get destroyed or go missing.
Naturally, you and or your employees are driving vehicles from job to job, and as such you need an auto policy that will cover you in the event of an accident that takes place while using the car for business usage.
Many times when we examine policies written by other agencies, we discover there is, in fact, no business usage coverage on the policy.
In this blog post we’ve outlined some, but not all of the exposures that are unique to the janitorial industry. If you took nothing else from this post, remember that because there’s such a wide variety of losses that can occur in your line of work, it is crucial that you have your broker or agent evaluate your policies from top to bottom to ensure there are no gaps.
We frequently repeat these words to our clients:
“Your insurance policy is only as good as the person who wrote it. Many brokers or agents will leave gaps in coverage because of a lack of knowledge, or they have cut corners to bring the premium down and increase their chances of closing the deal. The cheapest policy today could be the most expensive policy tomorrow.”
If you don’t love your current broker or agent, call us. Heck, even if you do love your current broker, we’re still happy to evaluate your insurance to make sure you’re in a good spot. At Inspire Insurance Services LLC in Roseville, CA – we are true experts when it comes to cleaning company insurance. Please contact us if we can be of assistance.