Commercial cleaners need a broad spectrum of policy lines when they build an insurance package because they face many different kinds of liability exposure in the course of their operations. Careful policy development, thorough staff training, and comprehensive policy endorsements are integral parts of a comprehensive risk management plan that can protect cleaning contractors from liability and loss.
Coverage for cleaning contractors needs to address the possibility of property damage that can occur as a result of working on someone else’s property. Coverage needs to include other individuals’ personal and real property, medical expenses, workmanship, and also any potential defense costs associated with a claim against the company.
Commercial cleaning contractors need to protect their equipment, business premises, and employees. They may be required to carry workers’ compensation coverage to cover medical costs for injuries that employees sustain while working.
Cleaning contractors may need to carry auto insurance above state minimum to ensure that it will be protected in the event of an accident. It’s essential that they be able to repair or replace vehicles as soon as possible in order to continue serving their clients.
Commercial cleaning contractors need to seek out help from insurance carriers that offer programs specifically designed to serve their industry. Expert guidance can help a company make well-informed policy elections to safeguard their operations.