Janitorial insurance

JANITORI Call us 888.869.6509

AL
INSURAN
CE
What to Consider When Securing
Insurance for Your Cleaning Business

888.869.6509

OVERVIEW

1 YOUR EXPOSURES

2 INSURANCE SOLUTIONS
specifically designed for janitorial services

3 MAKING THE SELECTION

Request a FREE Proposal Now! www.gillmanins.com

888.869.6509

JANITORIAL SERVICE EXPOSURES

BASICS
Before addressing exposures unique to the
janitorial industry, it’s important to
acknowledge the basic exposures your
operation faces—as a small business.
First, consider the basic coverages
provided in a standard business owners
policy and determine what limits your
comfortable with, starting with general
liability and business property.


888.869.6509


JANITORIAL RISKS

Most cleaning services obtain copies
of their clients’ keys—whether
they’re homes, offices or other
spaces. This becomes a liability in
the event they keys are misplaced
or lost..


888.869.6509


JANITORIAL RISKS

Cleaning involves rearranging objects,
wetting floors and moving
potentially hazardous obstacles in
the path of those nearby. The nature
of the industry’s operations puts
janitorial businesses at risk for
lawsuits related to resulting injuries.


888.869.6509


JANITORIAL RISKS

Cleaning requires direct contact with
property that belongs to your
clients and/or third parties. Thus,
your cleaning business may be
responsible for replacing any
damaged property associated
with your operations.


888.869.6509


JANITORIAL RISKS
Many janitorial services travel from one
location to another, carrying expensive
equipment along the way. The constant
handling, maneuvering and
transportation of this equipment
increases the likelihood of accidental
damage, a financial risk inherited as a
janitorial business owner (and minimized
with the right policy!).


888.869.6509

JANITORIAL INSURANCE SOLUTIONS

GENERAL LIABILITY
General Liability is one of the most
pervasive policies on the market today.
It provides the wherewithal needed to
pay damages meant to address bodily
injury or property damages. The policy
provides coverage for liability issues
resulting from personal injury and
advertising injury, including medical
expenses.


888.869.6509


COMMERCIAL PROPERTY
Typically, Commercial Property coverage includes:
 Computers (hardware and software)
 Inventory (supplies)
 Office Interiors (furniture and décor)
 Structural Issues
 Signage (interior and exterior)


888.869.6509


CONTRACTORS EQUIPMENT
Contractors equipment coverage
provides insurance designed to
meet the needs of clients in the
construction industry with
significant equipment—also
applicable to the janitorial
industry.


888.869.6509


RENTAL REIMBURSMENT
Rental reimbursement coverage applies to the
janitorial industry because cleaning
services depend on their equipment. For
instance, if a piece of a equipment was
damaged, contract/business obligations
may still require use of that equipment.
This coverage would reimburse you for the
cost of the rental up to the policy limits,
while your equipment is being repaired.


888.869.6509


LOST KEY COVERAGE
Covers the legal liability of the
insured to refit a building with
new locks and keys after the loss
of a master key held in the
insured's care, custody and
control.


888.869.6509


PROPERTY DAMAGE EXTENSION
ENDORSMENT
Property Damage Extension Endorsement
provides coverage for damages an
insured becomes legally responsible for
due to property damage to the property
of others while in the case, custody or
control of an insured. Because janitorial
services depend on direct contact with
other people’s belongings, this is a
coverage to highly consider.


888.869.6509

MAKING THE SELECTION

SHOP AROUND
In order to get BETTER coverage for
LESS, it’s important to look around
and “shop” the market. Or, choose
an independent insurance agency
that represents multiple, A-rated
reliable carriers and is able to do the
shopping for you!
(Plus! An experienced agent will know when you’re
comparing apples to apples, or apples to oranges.
Not all policies are created equal!)


888.869.6509


OTHER BENEFITS
Some insurance agencies will provide free
resources and added perks for being a
policyholder!

For example: Gillman Insurance provides free
and discounted background checks to most
janitorial services policyholders, access to a
small business resource center and an
opportunity to be featured on their
website’s Partner Page!


888.869.6509


READ REVIEWS
More and more purchasing decisions are
influenced by customer reviews… for
good reason! Nobody can tell you
why to choose an agency better than
an actual customer!
Check out Gillman Insurance Google
reviews here!


888.869.6509


REQUEST A FREE PROPOSAL
888.869.6509
orONLINEat
www.gillmanins.com
http://www.gillmanins.com/business-
insurance/janitorial/


888.869.6509

THANKS FOR VIEWING OUR
PRESENTATION!
VISIT US ANYTIME

at www.gillmanins.com!
DISLAIMER: The content of this presentation is provided for informational purposes only. It is not
intended nor should it be viewed as legal advice. No one should act or refrain from acting on the
basis of any information in this website without seeking the appropriate professional counsel on
his or her particular circumstances. Although every effort is made to provide accurate and useful
information, Gillman Insurance, Inc. and all third party contributors, assume no legal liability
for the accuracy, completeness, or usefulness of any information disclosed on this site.

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