Janitorial Cleaning Services Insurance
Janitorial Cleaning Services insurance protects your business if a client alleges that you were personally negligent, failed to perform professional duties, or in the case of the failure of your work to perform as promised.
This professional liability insurance is available for all types of cleaning businesses, including:
- Residential and Commercial Cleaning Services
- Domestic Services
- Home Help Services
- Commercial Janitorial Services
- Mechanical Maintenance Services
- Commercial Maintenance Services
Janitorial Cleaning Services Professional Liability Insurance Protects Your Business
The high cost of a legal defense could put your janitorial firm out of business. Your company’s survival and your personal financial security depend upon protecting yourself against the impact of a lawsuit.
Almost any firm or individual that improperly performs services can cause a client to suffer an economic loss — and mounting a defense is expensive. The impact of even a baseless claim can be devastating. Would your company have the resources and expertise to defend against such a claim?
What is Covered by Janitorial Cleaning Services Insurance?
Professional Liability insurance includes legal defense costs—no matter how baseless the allegations. It will pay for any resulting judgments against you, including court costs, up to the coverage limits on your policy.
Some of your clients may require that you and your subcontractors carry Errors & Omissions insurance. The right kind of E&O policy can protect both the service firm and subcontractors from claims of a perceived error or omission, even if the problem occurs months after the initial job.
Your policy can be customized to include:
- A business owners package that includes general liability insurance and property insurance
- Deductibles beginning at $0
- Defense costs outside the limits of liability
- Options including coverage of personal injury claims
E&O is Different Than General Liability
E&O insurance coverage is not provided by a Commercial General Liability policy. Commercial General Liability does not provide coverage for errors, contract performance disputes, or any other liability issues. Employers who have General Liability without Professional Liability (E&O) coverage are taking a serious risk.
Need a Janitorial Cleaning Services Bond?
Brunswick Companies is also able to offer you janitorial cleaning services bonds. This bond protects both your clients and your business against the unforeseen expense of reimbursing a customer for their loss. For this reason, many states require janitorial cleaning services companies to secure a bond.