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When it comes to janitorial services, there are a lot of risks that come with the job. From cleaning up hazardous materials to wiping down windows, floors, and toilets, janitors put themselves at risk on a daily basis. That's why it's important for them to have insurance coverage.
If there is no policy in place, whatever accident happens, the company will be liable for the damages.
This is why insurance policies are recommended no matter what business you’re conducting. But, before we discuss the different policy options for janitorial service providers, let’s take a look at why janitors need insurance in the first place.
Why Do Janitor Service Providers Need Insurance?
Providing janitorial services comes with a certain amount of risk. There are many ways that something could go wrong while on the job, from accidents involving cleaning products to injuries caused by slips and falls. And the worst part? It can happen to you, your staff, your clients, or any guests that they may have.
That's why it's important for janitor service providers to have insurance.
Insurance can help protect your business in the event of an accident or an injury. It can also help cover the costs of any property damage or medical bills that may result from an incident. Having insurance can give you peace of mind knowing that you're protected financially in case something goes wrong.
What Types of Insurance Do Janitor Service Providers Need?
Janitor service providers can benefit from a range of different insurance policies. The level of insurance coverage you take will depend on the size of your company, the clients you serve, if you work alone or employ staff, whether or not your business owns any company cars, the state you’re in, and more.
For a more detailed overview of the different insurance policies relevant for your industry, please take a moment and look below.
How Much Does Janitor Services Insurance Cost?
The cost of janitorial services insurance will vary depending on the type of cover you require. A general liability policy for a business with up to 50 employees shouldn't cost more than $500 per year.
Workers' compensation insurance is usually based on the number of employees you have, so it's important to get a quote before you purchase a policy. Commercial auto insurance is also dependent on the number of vehicles and drivers you have.
Bond policies start at around $500 per year, but the amount you'll pay will depend on the amount of coverage you need.
It's important to shop around and compare rates before buying any insurance policies. You may be able to get a discount if you purchase multiple policies from the same provider so do look out for that.
Typical Janitor Services Insurance Claims
Some of the most common claims for janitorial services insurance include accidents involving cleaning products, slips, and falls, broken glass, among others. These can cause bodily injuries to anyone that is around the premise that your company is serving.
Property damage is another claim that is usually filed when the building in which the accident occurred has to be repaired or renovated. If your business involves store owners, then you should consider getting a business owner's policy to cover for any damages.
In rare cases, janitors are accused of stealing and theft, which puts the janitor service provider at risk. This is when having a janitorial bond policy comes in handy - especially if you work with clients that have a lot of valuable assets around.