Commercial Janitorial Insurance

As a commercial janitorial service owner you are the gatekeeper to a cleaner, healthier life for us all. Many clients trust you with the keys to office buildings, shopping malls and require you to work late at night. This can leave you  vulnerable to lawsuits. Purchasing Janitorial insurance is your defense against this potential legal onslaught.

A general liability insurance policy can help you if a person slips and falls on a surface you’ve cleaned, but what happens if one of your employees is:

Accused of stealing from a client’s office?

Employee injured while on the job?

Suing you for wrongful termination or sexual harassment?

Drive their own cars from one job site to another?

You deserve an experienced, informed janitorial insurance agency. The Janitorial Insurance Group team understands how specific the janitorial industry is, what losses can do to a business like yours, and how your insurance policy needs to reflect that.

Want to learn more about how to improve your janitorial insurance policy?

General Liability Janitorial Insurance

Janitorial Liability Insurance

A general liability janitorial insurance policy can help you if a person slips and falls on a surface you’ve cleaned, but what happens if one of your employees is:

  • Suing you for wrongful termination or sexual harassment?
  • Accused of stealing from a client’s office?
  • Driving their own cars from one job site to another?
  • Injured while finishing up a late-night job?
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The Basics

With janitorial general liability insurance , you are protected from bodily injury, personal injury, and property damage claims. Whether your client claims that you have damaged their property or one of your clients has slipped and fallen, this coverage will ensure that your finances are never at risk, regardless of your liability.

Other coverages that you will need depending on your  janitorial insurance needs are:

Lost Key and Lock Replacement Coverage

In the event one of your team members loses the keys to a home or business that they need to enter and clean this coverage will reimburse for the expense related to replacing the keys and/or the locks

Property Damage to Client's Property Caused by Insured's Work (3rd Party)

This coverage covers damage to customer property during the course of your operations. An example would be one of your team members uses the wrong cleaner on a granite counter top and it leaves a stain and needs to be replaced

Property Coverage (1st party) for Client's Personal Property in Care, Custody or Control

This coverage covers damage to customer property while your employee actually has a clients item in their control. An example would be picking up a vase to clean it and your team member drops and breaks it.

Business Income - Dependent Properties

In the event of a covered loss at a location that you clean this coverage will help replace the lost income from that job.

Ready to protect your business from financial loss? Click here to receive a free janitorial insurance quote. If you have questions, call us at (800) 410-6333.

Employee Dishonesty Bonds

A janitorial fidelity or janitorial commercial dishonesty bond, also known as a janitorial employee dishonesty bond provides coverage when an employee steals money, equipment, or other assets from you or one of your clients. Most insurance policies exclude coverage for intentional wrongful acts, and employee theft would be considered intentional. Each janitorial bond’s coverage is tailored to the type of business you own and when written correctly will protect both the business and its clients or customers. While called a “bond,” these are actually insurance policies.

Employee Dishonesty Bond
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Other coverages that you will need depending on your  janitorial insurance needs are:

There are two types of janitorial dishonesty bonds, first-party and third-party, which one is the right choice?

Janitorial First-Party Bonds

Protect businesses and companies against intentionally wrongful acts, for example: fraud, forgery, theft, etc., which is committed by employees of that business.

Janitorial Third-Party Bonds

Protect a business against wrongful acts committed by people working for the business on a contract basis, for example: consultants or independent contractors.

What is a conviction clause and why does it matter to me?

Many Janitorial companies think that they are bonded correctly, but more often than not the janitorial bond they have purchased contains a conviction clause.

  • This clause means that the employee would have to be convicted of their crime under a court of law before the janitorial bond will pay any claim related to that crime.
  • This will sometimes be very difficult to prove and most employers don’t have the time to press charges against every employee who is accused of stealing an item from a customer’s location.

There are bonds available that do not have this clause, which are known as Non-Conviction Clause Bonds. These bonds do not require an employee to be convicted of a crime in order for a claim to be paid.

Ready to protect your business from financial loss? Click here to receive a free janitorial insurance quote. If you have questions, call us at (800) 410-6333.

Janitorial Workers Compensation Insurance

Janitorial Workers Compensation Insurance

Most states require by law that every employee is provided janitorial workers’ compensation insurance. Not only will this insurance cover diseases and disabling or disfiguring accidents that happen on the job site, but benefits also include lost wages and medical expenses. Generally, you set the limits associated with your policy, but this can be one of the most expensive coverages for janitorial contractors

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To help minimize these claims, Janitorial Insurance Group has maintained relationships with many companies who can assist you with Occupational Health and Safety Administration (OSHA) training, loss control, safety meeting topics, and other tools. Common claim limitations that you can set include:

  • Bodily injury by accident, which is the maximum amount that you will pay for all claims regarding one accident; and
  • Bodily injury by disease, which is the maximum amount that you will pay for all claims for one employee regarding bodily injury caused by disease.

To determine which coverage you should provide your employees – or whether or not you are exempt from providing janitorial workers compensation –  Click here to receive a free janitorial insurance quote. If you have questions, call us at (800) 410-6333.

Janitorial Commercial Auto

Whether you are driving to a customers location or running out to pick up more supplies, you should be comforted by the fact that – whatever happens – your commercial auto insurance policy has got you covered. Because not all commercial auto policies are the same, we conduct a comprehensive analysis to understand exactly how you use the vehicles in your business.

Janitorial Commercial Auto
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Some important questions to consider are:

  • Are you providing vehicles to you employees or do your employees use their vehicles to drive from one location to another?
  • How many passengers are typically in one vehicle at a time?
  • These are important factors in your business, and will help us shape policies that reflect how you need to be protected.

Some of the common insurance coverage associated with this policy are:

Janitorial Automobile Liability Insurance

protects you against bodily injury or property damage claims regarding a vehicle that your company owns, maintains, or uses.

Non-Owned Janitorial Automobile Liability

This protects you from automobiles that you use but that your company does not own, lease, hire, rent, or borrow. An extremely important part of your policy – especially if your crew members travel from one location to another using their own cars – this may include employee or subcontractor automobiles.

Hired Janitorial Automobile Liability

This coverage protects you from claims regarding vehicles that you or your employees lease, hire, rent, or borrow during the course of business.

Medical Expense Coverage

This coverage pays for – regardless of fault – all reasonable medical expenses incurred for up to one year from the date of the accident. This provision does not cover employees, however, but will cover subcontractors or other people involved in the accident.

Uninsured and Underinsured Motorist Coverage

This coverage protects you and any passengers against bodily injury expenses if you are ever in an accident with a driver who has no automobile liability insurance or less than the minimum limits required by the state.

Comprehensive Coverage

This coverage protects you from damage expenses due to vehicle loss, not including collision or upset.

Collision Coverage

This coverage protects you from vehicle loss or damage expenses due to collision or upset.

Ready to protect your business from financial loss? Click here to receive a free janitorial insurance quote. If you have questions, call us at (800) 410-6333.

Employment Practices Liability Insurance

Janitorial Employment Practices Liability Insurance

Designed to cover losses that are not protected by general liability insurance, employment practices liability is a specialized type of insurance. Not only is it a way to ensure that your business stays afloat in an overly-litigious society, but it will also protect you from dishonest or deceptive employees.

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Included in this insurance policy is coverage for claims such as:

Wrongful Termination

This policy covers claims that the former employee is alleging about their discharge. In some cases, it will even cover constructive discharge claims, which is when an employee alleges that they were compelled to resign or retire because they could not tolerate the work environment.

Discrimination

This provision covers claims by current, former, or prospective employees who allege that they were discriminated against based on race, sexual orientation, color, marital status, creed, sex, national origin, religion, gender, age, military service, disability, pregnancy, or handicap. The definitions of these discriminations are determined by federal, state, or local law and – if changed in the future – will be included in your policy. This provision can also cover employees who allege that they were discriminated against for exercising their rights to workers’ compensation, COBRA, or other similar laws.

Sexual Harassment

Whether the claim is against you, your company, or any of your employees, this provision will cover sexual harassment as defined by the Equal Employment Opportunity Commission.

Whistleblower

This insurance provision covers all claims by employees who allege that they were discriminated against because they disclosed an unfair or illegal practice by your company.

Wage & Hour

Typically, not covered in most general liability policies – as with other Fair Labor Standards Act (FLSA) actions – this provision can help protect you from wage and hour claims alleged by current or former employees.

Other Employment-Related Claims

Additional claims alleged by current, former, or prospective employees can be covered by this type of provision. These claims can include invasion of privacy, libel, mental anguish, slander, infliction of emotional distress, defamation, breach of contract, loss of consortium, negligent hiring, assault and battery, supervision, or promotion or retention.

Ready to protect your business from financial loss? Click here to receive a free janitorial insurance quote. If you have questions, call us at (800) 410-6333.

Janitorial Umbrella Insurance

Most liability policies offer a limit of one million dollars. In the janitorial industry, that is simply not enough to feel completely protected, especially if something goes wrong on the job and you are expected to pay damages to one of your customers.

Umbrella Insurance
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Umbrella insurance protects against large, catastrophic liability claims and acts as an excess line of coverage for your primary policies. Generally, umbrella policies are equipped with a Self-Insured Retention (SIR), or the value that you must pay before coverage begins. But, of course, paying a small fraction of a large lawsuit is entirely preferable to letting your business go bankrupt

Don’t continue to sweep the risks under the rug when it’s a simple matter of contacting Janitorial Insurance Group to ensure that you are protected.

To ensure your janitorial insurance limits are high –  Click here to receive a free janitorial umbrella insurance quote. If you have questions, call us at (800) 410-6333.

Janitorial Equipment Insurance

Janitorial Equipment Insurance

Janitorial contractors rely on many types of equipment to complete a thorough and high-quality job. From vacuums to carpet cleaners to floor buffers, your business – and the profit thereof – depends upon the durability of this equipment. So how are you supposed to support yourself and your employees if one of these items malfunctions or is stolen?

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Contractor’s equipment insurance protects you from all of these scenarios, even if you are only renting the equipment. Added coverage can also protect you from other disasters, such as fires or floods. After all, Janitorial Insurance Group wants to make sure that – no matter what happens at the job site – you are protected from disastrous financial losses.

To make sure your equipment is protected at the correct value –  Click here to receive a free janitorial equipment insurance quote. If you have questions, call us at (800) 410-6333.