If you own a cleaning business, or you’re an independent contractor for a cleaning service, you probably know that your clients rely on you to keep things in tip-top shape.
But do you know if you have the right insurance coverage to protect you and your business if the unthinkable happens?
Do you have someone you can rely on to keep your business in tip-top shape?
Let’s face it, running this type of business or performing this type of work can become… uh, we’ll just say, very messy, especially when you’re dealing with the property of others.
Don’t risk a malfunctioning or damaged piece of equipment, an on-the-job injury or a damaged piece of customer property from causing your business to grind to a halt.
We can help you keep your business protected, so you can focus on keeping your customers’ property cleaned, buffed and polished.
Like any other business, cleaning services need a variety of insurance coverages to ensure their operation is protected. Additionally, rules and coverages can vary from state to state, so understanding Ohio Cleaning Insurance is essential.
Commercial General Liability Insurance
If you run a cleaning business, then a Commercial General Liability (CGL) Insurance policy is a must, as it would protect when lawsuits or financial losses occur.
A typical CGL policy provides coverage for claims of bodily injury or other physical injury, personal injury (libel or slander), advertising injury and property damage as a result of your products, premises or operations.
For example, one of your employees is accused of damaging the artwork in a house they’re cleaning, and it results in a lawsuit. The claim is upwards of $200,000 in damages and legal fees, which could be extremely costly to your business. A CGL policy could protect you against this type of claim.
As a safeguard against liability, CGL enables you to continue your normal operations while dealing with real or fraudulent claims of negligence or wrongdoing. CGL policies also provide coverage for the cost to defend and settle claims.
Commercial Auto Insurance
Commercial Auto Insurance is another important policy that all Ohio cleaning businesses must consider because you’re relying on vehicles to get you from one client to another.
Doesn’t matter if you have one vehicle, or a fleet of 100, you still need Commercial Auto Insurance.
The vehicles that you’re using to haul your equipment and cleaning supplies should be insured. A Commercial Auto Policy can be used to insure vehicles for:
- Liability – this would protect the business owner in the event of an at-fault accident where the owner, or any employees, caused injuries to others while driving a company vehicle
- Physical damage to the vehicles owned by the business if they’re involved in an accident, stolen or vandalized
- Or both Liability and Physical Damage
For example, one of your employees could be driving a vehicle with all of your carpet cleaning supplies and equipment, and they’re involved in a severe collision with another driver.
Your employee is at fault, there is extensive damage to both vehicles, and there will be medical expenses for both drivers.
Your Commercial Auto policy could cover the property damage, the medical expenses and any potential legal costs involved.
Who needs Cleaning Insurance?
- Carpet Cleaners
- Cleaning Service Providers
- Dry Cleaners
- House Cleaners
- Janitors
- Laundry Service Providers
- Office Cleaners
Conclusion
Finding the best insurance policy for Cleaning Businesses in Ohio, and figuring out the types of coverage needed to protect your business, can be confusing, time consuming and difficult.
However, the right insurance protection is still critical to the success of your business. Without it, you’re one claim away from being out of business.
And remember, not all policies are created equal.
You probably wouldn’t go to your eye doctor instead of your dentist if you were having a toothache, right? Just because they’re both doctors doesn’t mean they have the same skillset.
Just the same, you need an Insurance Advisor that understands your industry, your risks of loss, and how best to protect you and your business.
We can help.
We know the industry, we understand your needs, and we work with multiple insurance companies so we can deliver the insurance solution that’s perfect for your business, and your budget.
When you have confidence in your business insurance, you have greater peace of mind knowing that you can keep working to generate revenue, even when disaster strikes.
To get started on your customized solution, contact one of our Licensed Advisors, or Request a Proposal and we’ll get to work right away.