{"id":2385,"date":"2024-05-24T09:10:08","date_gmt":"2024-05-24T09:10:08","guid":{"rendered":"https:\/\/www.insurancebee.com\/blog\/?p=2385"},"modified":"2024-07-23T09:59:30","modified_gmt":"2024-07-23T09:59:30","slug":"janitors-workers-compensation-insurance","status":"publish","type":"post","link":"https:\/\/www.insurancebee.com\/blog\/janitors-workers-compensation-insurance","title":{"rendered":"Why janitors need workers\u2019 compensation insurance"},"content":{"rendered":"\n<p><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/www.insurancebee.com\/blog\/wp-content\/uploads\/2024\/04\/do-house-cleaner-need-to-be-insured-istock-edit.png\" alt=\"A team of janitors' work together, safe in the knowledge they have janitors workers compensation insurance\" class=\"wp-image-3403\" srcset=\"https:\/\/www.insurancebee.com\/blog\/wp-content\/uploads\/2024\/04\/do-house-cleaner-need-to-be-insured-istock-edit.png 600w, https:\/\/www.insurancebee.com\/blog\/wp-content\/uploads\/2024\/04\/do-house-cleaner-need-to-be-insured-istock-edit-300x200.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n<p>When it comes to cleaning businesses, one of the most common questions we\u2019re asked is: do janitors need workers\u2019 compensation insurance? And why?<\/p>\n\n\n\n<p>It protects your employees if they get injured or hurt while working for you. It does this by covering their medical expenses and lost wages. And it saves you the expense of having to pay for them yourself.<\/p>\n\n\n\n<p>What\u2019s more, janitors&#8217; <a href=\"https:\/\/www.insurancebee.com\/workers-compensation-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">workers\u2019 compensation insurance<\/a> is required by law in most states.<\/p>\n\n\n\n<p>Running a janitorial business without it could result in you incurring severe fines and penalties or even jail time, in extreme cases.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What are the requirements for janitorial workers\u2019 compensation insurance?<\/strong><\/h2>\n\n\n\n<p>Obviously, if you work on your own and for yourself, you may not need workers\u2019 compensation insurance. But there are other <a href=\"https:\/\/www.insurancebee.com\/janitorial-business-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">janitorial business insurance<\/a> policies you might want: <a href=\"https:\/\/www.insurancebee.com\/general-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">general liability insurance<\/a>, for example.<\/p>\n\n\n\n<p>You\u2019ll need workers\u2019 comp insurance for your cleaning business if you employ one or more people other than yourself.<\/p>\n\n\n\n<p>This includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Full-time and part-time employees<\/li>\n\n\n\n<li>Temporary employees<\/li>\n\n\n\n<li>Self-employed and payroll employees<\/li>\n\n\n\n<li>Volunteers and interns.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why is workers\u2019 compensation insurance necessary for cleaning businesses?<\/strong><\/h2>\n\n\n\n<p>When it comes to workers\u2019 compensation, commercial cleaners need it just as much as any other business.<\/p>\n\n\n\n<p>Anyone who works for you, under your supervision and using your equipment, can hold you responsible for their safety and welfare.<\/p>\n\n\n\n<p>Take the following example:<\/p>\n\n\n\n<p>One of your employees falls off a ladder while trying to dust the cobwebs from a ceiling. She breaks her leg and has to go to hospital. Later, she claims the ladder she was balancing on \u2013 a ladder which you supplied \u2013 was wobbly.<\/p>\n\n\n\n<p>In this case, your employee could blame you for the accident and take you to court.<\/p>\n\n\n\n<p>But if you\u2019re insured, it doesn\u2019t matter whose fault the accident was. Your insurance kicks in to cover your employee\u2019s medical expenses and missed wages for time taken off work.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How do I minimize the chances of a claim?<\/strong><\/h2>\n\n\n\n<p>Ideally, you want to reduce the chances of damaging claims to begin with. For your own peace of mind, as well as the health and safety of your employees.<\/p>\n\n\n\n<p>Luckily, there\u2019s plenty you can do.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.insurancebee.com\/blog\/wp-content\/uploads\/2017\/09\/Cleaners-fact-sheet.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Our factsheet<\/a> for janitorial businesses has lots of helpful tips on preventing accidents at work.<\/p>\n\n\n\n<p>They include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Training your employees in how to use chemicals safely, including proper cleaning methods and not mixing chemicals<\/li>\n\n\n\n<li>Making sure new staff are certified to perform certain tasks, especially specialist ones like carpet cleaning and restoration<\/li>\n\n\n\n<li>Supplying your employees with the right protective gear when using cleaning and disinfecting products<\/li>\n\n\n\n<li>Regularly maintaining your cleaning equipment and checking it for safety.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Risk management tips for janitorial businesses<\/strong><\/h2>\n\n\n\n<p>When hiring new employees, it can\u2019t hurt to set out your workers&#8217; contracts clearly. That way they know what tasks and services they\u2019re expected to perform, what equipment to use and whether there are certain chemicals they should steer clear of.<\/p>\n\n\n\n<p>You might also want to invest in a company handbook or training guide for employees to refer to at work. This helps keep them safe by reminding them of their risks and outlines clearly what happens if they have a work-related accident.<\/p>\n\n\n\n<p>Taking these measures won\u2019t stop accidents from happening, of course. But it\u2019s good to know that if and when they do happen, everyone\u2019s on the same page.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Do I need workers\u2019 comp insurance if I work with independent contractors?<\/strong><\/h2>\n\n\n\n<p>Not usually, no.<\/p>\n\n\n\n<p>Workers\u2019 compensation insurance for janitorial services protects your business only. It\u2019s designed to cover your employees and not anyone else\u2019s.<\/p>\n\n\n\n<p>Any independent contractors you work with will usually have their own insurance policy. (It\u2019s wise to check with them first so you know they\u2019re professional.)<\/p>\n\n\n\n<p>Independent contractors (window cleaners, air duct cleaners, etc) are their own operators. So, if they slip or fall on your watch, regardless of who\u2019s at fault, it\u2019s their insurance you have to deal with and not yours.<\/p>\n\n\n\n<p>That doesn\u2019t mean they won\u2019t try to sue you though. Some contractors might be tempted to push a claim through the law courts if they think they\u2019ll benefit from it.<\/p>\n\n\n\n<p>And if they think you\u2019ve supplied them with faulty equipment, then today\u2019s claim-happy culture might encourage them.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.nasdaq.com\/articles\/insurance-fraud-statistics-2024\" target=\"_blank\" rel=\"noreferrer noopener\">Fraudulent claims are unfortunately on the rise<\/a> and the janitorial sector is no exception.<\/p>\n\n\n\n<p>The long and short of it is that when working with contractors, you need to check whether they\u2019re insured before you start working with them.<\/p>\n\n\n\n<p>That way, any claims are handled between your insurers and you don\u2019t have to lose time, money or sleep over them.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Is janitors\u2019 workers\u2019 compensation insurance expensive?<\/strong><\/h2>\n\n\n\n<p>Compared to what a fine for not having it will cost you? Or the cost of paying for your employee\u2019s medical bills and your own legal expenses?<\/p>\n\n\n\n<p>Not really.<\/p>\n\n\n\n<p>The cost of workers\u2019 compensation insurance for cleaning companies depends on a number of factors, including what state you live in, how many employees you have, your payroll, and history of past claims.<\/p>\n\n\n\n<p>Depending on what safety procedures you have at work, your premium may also be cheaper.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Get a janitors\u2019 workers\u2019 compensation insurance quote online<\/strong><\/h2>\n\n\n\n<p>Buying a janitors&#8217; <a href=\"https:\/\/www.insurancebee.com\/workers-compensation-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">workers\u2019 compensation insurance<\/a> policy couldn\u2019t be easier. Either <a href=\"https:\/\/www.insurancebee.com\/getaquote\" target=\"_blank\" rel=\"noreferrer noopener\">request a quote online<\/a> or call us at <strong>978.344.4215<\/strong>.<\/p>\n\n\n\n<p><em>Image used under license from Shutterstock.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to cleaning businesses, one of the most common questions we\u2019re asked is: do janitors need workers\u2019 compensation insurance? And why? It protects your employees if they get injured or hurt while working for you. It does this &hellip; <a href=\"https:\/\/www.insurancebee.com\/blog\/janitors-workers-compensation-insurance\">Read more&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[108,30,60],"tags":[105,33,110,8,106,109],"class_list":["post-2385","post","type-post","status-publish","format-standard","hentry","category-cleaners-and-janitors","category-small-business-insurance","category-workers-compensation-insurance","tag-cleaners","tag-cleaning-and-janitorial-insurance","tag-contractors","tag-general-liability-insurance","tag-janitors","tag-workers-comp-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Why janitors need workers&#039; compensation insurance<\/title>\r\n<meta name=\"description\" content=\"Janitors&#039; workers&#039; compensation insurance: it&#039;s a must in most states. 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