Protect Your Cleaning Services Business with Janitorial Liability Insurance

There are important reasons that you need to invest in reputable and experienced insurance coverage if you own a cleaning business. If your employee hurts their back while cleaning a client’s office, general liability or workman’s compensation insurance may help cover the costs. Similarly, if your employee accidentally knocks over a valuable object while cleaning, your business insurance may be able to help you cover the cost to replace it. The agents at Hawsey Insurance can help you choose the right mix of janitorial liability insurance for your crew.

What is Janitorial Liability Insurance?

Janitorial liability insurance is a specific blend of commercial insurance products designed to provide the most comprehensive coverage possible for your cleaning business. You’ll need the same types of protections as any business. However, you also need to consider risks specific to the janitorial service sector.

For example, general liability insurance protects you from financial losses due to injuries or property damage to another person as a result of your services.

When you provide cleaning services to businesses or homeowners, you expose your employees and business to specific liability risks. It’s important to have general liability insurance to cover offsite property damages and potential injuries that result from your cleaning service. For example, someone could slip and fall on a wet floor after your team mops the hallways at a client’s site. Without insurance, you may have to pay for medical bills and other damages out of pocket.

Who Needs Janitorial Insurance?

Examples of businesses who need janitorial liability insurance include the following:

  • Janitorial services
  • Office cleaning
  • Carpet cleaning
  • House cleaning
  • Maid services

Speak to one of our commercial insurance agents to determine the right blend of coverage for your business.

Types of Janitorial Liability Insurance

You may serve commercial clients such as retail, shopping centers, and office buildings, or offer cleaning in janitorial services to hotels, individual homeowners, and other clients. It’s important to work with an experienced, reputable insurance company such as Hawsey Insurance to tailor insurance coverage to your specific business.

Here are the types of commercial insurance coverage we typically recommend to cleaning companies:

  • Property damage and bodily injury. This type of insurance covers third party injuries and property damage that result from your janitorial services.
  • Advertising injury. If you unintentionally commit copyright infringement, your janitorial liability insurance will cover your legal costs and any damages awarded if the case goes to court.
  • Workers’ compensation insurance. In Mississippi, if you have five or more employees, you need to provide workers’ compensation insurance to cover lost wages, medical bills, and other costs associated with on-the-job injuries or illnesses.
  • Commercial auto insurance. If you have one or more vehicles you use to transport employees and equipment to job sites, commercial auto insurance can provide better protection than personal coverage.

From umbrella insurance that extends your existing coverage to BPO insurance that can save you money, our agents look out for your best interests.

Hawsey Insurance has offices in Southaven, Jackson, and Madison, MS. Contact us today for recommendations on janitorial liability insurance in Mississippi or the surrounding states.