Cleaning up your risks: Insurance for your Janitorial Business
Running a janitorial business can be risky. From slips and falls to using cleaning chemicals, you’re dealing with a wide range of things that can go wrong. Luckily, you’re an expert at this and you know the ins and outs of how to keep your employees safe and your liability protected. Any smart business owner like you knows insurance is a key factor in protecting your livelihood, but you may not know where to start. Luckily, we’re the experts in insurance and we know that having the right coverage can help clean up those risks! Here’s how:
Your employee gets injured on the jobsite:
Accidents happen. It could be as simple as slipping on a wet floor or as complicated as inhaling toxic chemicals. When this stuff happens, workers compensation coverage can have your back.
A client’s property is damaged under your care:
When you’re on a jobsite, you may be responsible for more than you think.
Let’s say you are tasked with cleaning the floors of an apartment complex. You may think that in this scenario, you’d only be responsible for the floors and unfortunately, you’d be wrong. The walls, ceilings, and furniture would all be considered under your care as well. This means if you applied a chemical to clean the tile that ended up damaging part of the wall, you’d be left liable. Your standard business insurance policy likely won’t provide coverage, but voluntary property damage coverage could.
Your client’s protected information is stolen:
The internet can be a dangerous place, but it is also a necessity for many small businesses. It is often used to store client information or process payments, which can be very appetizing for hackers to get their hands on. So how can you protect against it? Cyber insurance! It can protect your business from computer attacks, cyber extortion, identity recovery, and more.
Let’s say you use an online system for storing client’s payment information. Your business then has a data breach where the customer’s card information was stolen and used. In this case, you’d be liable. Cyber insurance can help protect you.
These are just a few of the many situations that can leave your janitorial business at risk if you don’t have the right insurance coverage. You’re an expert at running your business, but even the most diligent, most prepared, and most experienced business owners can make mistakes. We’re the experts at being there when you do.