{"id":2383,"date":"2021-10-14T16:08:34","date_gmt":"2021-10-14T16:08:34","guid":{"rendered":"https:\/\/www.insurancebee.com\/blog\/?p=2383"},"modified":"2024-10-24T13:31:14","modified_gmt":"2024-10-24T13:31:14","slug":"janitorial-business-insurance-requirements","status":"publish","type":"post","link":"https:\/\/www.insurancebee.com\/blog\/janitorial-business-insurance-requirements","title":{"rendered":"Janitorial business insurance requirements"},"content":{"rendered":"
\n
\"Man<\/figure>\n<\/div>\n\n\n

Whether you\u2019re an independent janitor, or run your own janitorial business, you need to protect yourself with insurance.<\/p>\n\n\n\n


Janitorial work is risky. Slippery floors, hazardous chemicals and clumsy employees can lead to accidents. And accidents lead to lawsuits.<\/p>\n\n\n\n


If a claim goes to court and your business is found at fault, you\u2019ll have to compensate your client for damages and any medical expenses.<\/p>\n\n\n\n


That\u2019s on top of paying for your own court costs and legal defense. All of which can drain your bank account and damage your business.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Don\u2019t get taken to the cleaners<\/h2>\n\n\n\n


Having janitorial business insurance<\/a> means you won’t get taken to the cleaners if you’re hit with a claim. The average settlement for a slip and fall claim is between $15,000 and $45,000, but they can cost a lot more. Especially as hiring a legal attorney is likely to cost you around $50,000.<\/p>\n\n\n\n


Working uninsured as a janitor just isn\u2019t worth the risk. Especially when you can go online and buy all the insurance you need in minutes.<\/p>\n\n\n\n

What insurance policies do janitors need?<\/h2>\n\n\n\n


This depends on who you work for, how many people you employ and how you run your business.<\/p>\n\n\n\n


Some clients expect you to have certain types of insurance (and a certificate to prove it) before you work for them. So it\u2019s worth checking your contracts.<\/p>\n\n\n\n


As a guide, most janitors need:<\/p>\n\n\n\n


\u2022 General liability insurance
\u2022 Professional liability insurance
\u2022 Workers\u2019 compensation (if you employ anyone).<\/p>\n\n\n\n


Depending on whether you have a website and use e-mail, you might also want cyber insurance.<\/p>\n\n\n\n

General liability insurance for janitors<\/h2>\n\n\n\n


The most common claims for janitorial businesses are for slips, trips and falls. Because of this, general liability insurance is essential.<\/p>\n\n\n\n


It\u2019s for when someone accuses you \u2013 or one of your employees \u2013 of property damage or bodily injury, whether on your client\u2019s premises or in transit. And as long as an injury isn’t related to your services.<\/p>\n\n\n\n


General liability insurance<\/a> also covers your business for personal injury like slander and libel and for advertising injury.<\/p>\n\n\n\n

Claims examples:<\/p>\n\n\n\n


An office worker slips on a freshly mopped floor, breaking her wrist. You hadn\u2019t put warning signs up and your client takes you to court, where you\u2019re found liable for her medical expenses.<\/p>\n\n\n\n


You accidentally knock a large bottle of cleaning agent over someone\u2019s laptop. Your client asks you pay $900 to replace it with a new one.<\/p>\n\n\n\n


One of your employees is overheard making false and unflattering comments about your client while on his lunch break. The rumours reach your client and he sues you for slander.<\/p>\n\n\n\n


A competing janitorial business notices your billboards are similar to an advertising campaign they\u2019d run last year. They sue you for copyright infringement.<\/p>\n\n\n\n

Professional liability insurance for janitors<\/h2>\n\n\n\n


<\/a>Professional liability insurance<\/a> covers you for damages resulting from errors and omissions. This could be because of a mistake you\u2019ve made or something you\u2019ve failed to do. At any rate, something that\u2019s cost your client money.<\/p>\n\n\n\n


Negligence claims can\u2019t be ignored, even if you think you\u2019re not at fault. You could end up with a default judgement. And that means you\u2019ll have to pay whatever your client says you owe.<\/p>\n\n\n\n


A claim might result from a janitor using the wrong type of chemical on a marble floor by mistake and causing damage to the floor.<\/p>\n\n\n\n


Assuming you\u2019re insured, your insurer pays for the floor to be repaired or replaced, as well as covering your legal fees resulting from a couple of days in court.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Workers\u2019 compensation insurance<\/h2>\n\n\n\n


If you work solely on your own, then you can forget this one. But if you have employees, either permanent or temporary, then you need janitors’ workers\u2019 compensation insurance<\/a>. It\u2019s legally required in most states.<\/p>\n\n\n\n


Workers\u2019 compensation is a legal right and the penalties for not having insurance can be severe. So it\u2019s worth looking up your state\u2019s individual requirements.<\/p>\n\n\n\n


It\u2019s a useful insurance policy because everyone benefits from it. If one of your staff is hurt or falls ill as a result of working for you, they know their medical bills and missed wages are covered. If you\u2019re sued by your employee, you know your legal and court costs are paid for.<\/p>\n\n\n\n


While it\u2019s tempting to assume you\u2019re on the right foot with your employees and they wouldn\u2019t ever sue you, this sort of thing is increasingly common. It\u2019s worth protecting yourself where you can.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Do I need insurance if I work for a janitorial company?<\/h2>\n\n\n\n


As an employee, you\u2019re probably already covered by your boss\u2019s insurance. But it\u2019s worth checking the details of what you\u2019re covered for.<\/p>\n\n\n\n


If you use your own cleaning equipment on jobs, you might want to check it\u2019s covered by your employer. Otherwise, you\u2019ll need to get your own BPP policy.<\/p>\n\n\n\n

Buy janitorial business insurance online in minutes<\/h2>\n\n\n\n


You can choose to mix and match policies or buy a janitorial insurance package<\/a> that includes the main ones you need. It\u2019s completely up to you.<\/p>\n\n\n\n


Start by getting a quote online. Or, you can call us on 9778.344.4215 to talk it through.<\/p>\n","protected":false},"excerpt":{"rendered":"

Whether you\u2019re an independent janitor, or run your own janitorial business, you need to protect yourself with insurance. Janitorial work is risky. Slippery floors, hazardous chemicals and clumsy employees can lead to accidents. And accidents lead to lawsuits. If a … Read more…<\/a><\/p>\n","protected":false},"author":16,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[108,27],"tags":[111,8,7,109],"class_list":["post-2383","post","type-post","status-publish","format-standard","hentry","category-cleaners-and-janitors","category-general-liability","tag-business-personal-property-insurance","tag-general-liability-insurance","tag-professional-liability-insurance","tag-workers-comp-insurance"],"yoast_head":"\r\nJanitorial business insurance requirements<\/title>\r\n<meta name=\"description\" content=\"Not having the right janitorial business insurance could end up cleaning you out. 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