janitorial insurance

JANITORIAL

INSURANCE

What to Consider When Securing Insurance for Your

Cleaning Business

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http://www.gillmanins.com/business-insurance/janitorial/

OVERVIEW

YOUR EXPOSURES

INSURANCE SOLUTIONSspecifically designed for janitorial services

MAKING THE SELECTION

1

2

3 Request a FREE Proposal Now! www.gillmanins.com

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JANITORIAL SERVICE EXPOSURES

BASICSBefore 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.

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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..


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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.

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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.


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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!).


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JANITORIAL INSURANCE SOLUTIONS

GENERAL LIABILITYGeneral 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.


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http://www.gillmanins.com/business-insurance/general-liability/



COMMERCIAL PROPERTYTypically, Commercial Property

coverage includes: Computers (hardware and

software) Inventory (supplies) Office Interiors (furniture and

décor) Structural Issues Signage (interior and exterior)


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http://www.gillmanins.com/business-insurance/commercial-property/



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.


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RENTAL REIMBURSMENTRental 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.


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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.

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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.


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SHOP AROUNDIn 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!)


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OTHER BENEFITSSome 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

http://www.gillmanins.com/service-center/partners/



READ REVIEWSMore 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!


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REQUEST A FREE PROPOSAL

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or ONLINE at


www.gillmanins.com


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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.

888.869.6509

http://www.gillmanins.com/

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