Insurance For Small Cleaning Business
You may need small business insurance if you are a cleaning professional who among similar services cleans carpets waxes floors operates cleaning equipment owned by your clients and cleans with toxic chemicals.
Insurance for small cleaning business. Cleaning businesses that are eligible to purchase a bop typically. The most common small business insurance policies janitorial and cleaning businesses carry are. General liability commercial property commercial auto and workers compensation. As a cleaning business a wide range of business operations should be covered by insurance.
You will need commercial property insurance if you have an office or storefront you will need home based business insurance if you run your housekeeping business out of your home. Updated june 04 2019 like all businesses your cleaning company needs basic insurance coverages like general liability and commercial property. Gl provides a pretty good foundation for business protection so we recommend starting with this policy and adding on anything else your business might need. This prevents you from having to exhaust your own time and resources.
While many insurers offer these coverages some have developed specialized programs designed explicitly for janitorial businesses. Business tools insurance is a policy that protects your business equipment. There are several types of cleaning insurance cover worth considering including public liability insurance employer s liability insurance and buildings and contents insurance. Small cleaning businesses may be able to bundle general liability insurance with commercial property insurance in a business owner s policy bop which typically costs less than purchasing each policy separately.
At the hartford our general liability insurance helps protect large and small cleaning businesses. Business tools insurance for cleaners. With a general liability policy you can keep your business running smoothly even when client property or equipment is damaged. Have a small office or workplace.
Our policies help protect you from unexpected accidents or claims made against your business. If you re employed by a cleaning company you ll probably be covered by their insurance. The average price of a standard 1 000 000 2 000 000 general liability insurance policy for small building cleaning and maintenance businesses ranges from 47 to 59 per month based on location size payroll sales and experience. General liability gl coverage protects your cleaning business from claims and lawsuits resulting from any property damage or accidents you caused while at a client s home or office.
Business tools insurance can help give you the money to replace stolen or damaged equipment and help keep you in business. How much does building cleaning and maintenance insurance cost.
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