Your Insurance program will be individually tailored to your exact needs. To accomplish this, we perform a survey of your property, liability and auto risks to determine your coverage needs; then tailor your program to address the specific needs of your company.
The result is that you get comprehensive protection with no overlaps, no gaps and at a lower cost.
Common Risks and Needs Associated with Janitorial Services
General Liability Insurance
General liability exposure is slight at the janitorial service’s premises due to lack of public access to the premises. Operations at customers’ premises include risk of injury or damage to customers’ property from spills, marring, scratched surfaces, and the upset or dropping of breakables. Many of these fall under the care, custody and control exclusion, and should be covered under and Inland Marine policy and Bailees’ forms.
Wet, slippery floors can pose a slip and fall hazard to the client’s employees or customers and passersby. The absence of basic controls (e.g., scheduling to minimize any work done while the premises are open for business, proper caution signs, the use of non-slip finishes, etc.) may indicate a hazard.
A major concern is failure to secure the premises during cleaning and especially upon completion of the work. The hazard increases when there is high turnover and lack of proper training and procedures such as lockup procedures, key control and a required checklist when a job is completed. Some areas of customers’ premises may need to remain closed because they contain property susceptible to damage or contamination, dangerous materials, or confidential information.
Other liability exposures include invasion of privacy and even assault to the customers’ employees. Failure to run background checks and review references on employees increases the hazard and reduces available defenses.
Business Property Insurance
Property insurance refers to both building and business personal property. Property exposures may be limited to an office and storage of equipment and supplies. Cleaning supplies may contain flammable chemicals that require proper labeling, separation, and storage in approved containers and cabinets to reduce the potential for fire. There may also be a garage area for vehicles transporting equipment and crew to the job.
Commercial Auto or Hired and Non-Owned
Automobile exposures may be fairly low, involving only non-owned exposures, or there could be owned vehicles with transport of equipment, supplies, and crew to job sites. If employees find their own way to the worksite, the non-owned exposure is minimal unless workers run work-related errands or transport coworkers in personal autos. If the insured uses owned autos to transport the crew, proper safeguards should be in place in respect to the number of persons carried, the qualifications of the driver, and age, condition and maintenance of the vehicle. The absence of proper licensing and training, or (in the case of non-owned autos) valid personal insurance is of great concern.
Employee Dishonesty Insurance
Crime exposure comes mainly from theft by employees of clients’ property. Background checks, supervision, monitoring and regular crew changes are all used to minimize the exposure. Employee dishonesty may also be covered under a commercial crime policy.
Inland Marine Insurance
Inland marine exposure is limited. Janitorial supplies and equipment, such as vacuum cleaners, are typically brought to the customer’s premises to provide services, then are brought back with the crew. Some contractors may store some of their equipment on the customer’s premises; others do their work with equipment provided by the client.
Janitorial services frequently have a bailees’ exposure for customers’ property in their care, custody and control. Damage to high-valued items like carpeting and draperies could result in a sizable loss since a small spill or other damage could reduce the value of the entire item.
Workers’ Compensation Insurance
Workers compensation exposure can be high. Casual labor, high turnover and minimal training time are all factors affecting losses; work is also frequently performed under time constraints. Workers can experience lung, eye, or skin irritations and reactions to the cleaning chemicals. Slips and falls can occur during cleaning operations. Lifting, back injury, hernia, and sprain and strain are all common occurrences. Employees can also suffer assault because of working at “off hours” in empty buildings. A lack of close supervision to keep employees safe represents a significant hazard.
Business Liability Quotes for Janitorial Services
Watts Insurance Agency offers affordable liability insurance quotes for Janitorial Companies throughout the U.S. Our Janitorial insurance programs include all lines of business insurance, as well as our Target programs for business owners policies (BOP). Contact one of our business insurance Specialists today, or start a quote online now.