Insurance for Janitorial Services
Janitorial services provide basic cleaning services to the interior of premises for commercial and industrial clients. Some operations provide exclusive services for one client only, while others have a number of regular clients or offer services to the public on an “as needed” basis.
Typical services include the removal of trash from all areas of the premises, cleaning restrooms, dusting, and regular vacuuming, mopping or sweeping of floors. Other services may include cleaning of eating areas, scheduled carpet cleaning, floor polishing, cleaning of drapery, and window washing.
Recommended Insurance Programs for Janitorial Businesses
Janitorial service companies have unique risks that affect their operations. Many service companies have specialized liabiliuty exposures and may utilize personal vehicles of employees to travel to job sites. They also have greater risk associated with general liability claims and employee dishonesty.
Coverages Recommended for Janitorial Services:
Other coverages to consider for Environmental Services:
Business Personal Property, Employee Dishonesty, Contractors’ Equipment (Inland Marine), Employee Benefits Liability, Umbrella Coverage, Building, Business Income with Extra Expense, Bailees Customers Floater, Automobile Liability and Physical Damage, Employment Related Practices Liability
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.
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
General Liability Shop.com 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 at (800) 900-8657, or start a quote online now.
Our Top Carrier Solutions for Janitorial Services
Janitorial Services Liability Classification Codes
Commercial insurance companies use various liability classification systems in order to classify and rate coverage premiums for Janitorial Services. Here are the most common business insurance classification for Janitorial Businesses:
Business Liability Category: Artisan Contractors
SIC Business Insurance Codes:
• 7349- Building Cleaning and Maintenance Services
NAICS Liability Classifications:
• 561720- Janitorial Services
• 561210- Facilities Support Services
• 561790- Other Services to Building and Dwellings
Business ISO General Liability:
• Code: 96816- Janitorial Services
Common Workers Compensation Class Codes:
• 9014- Janitorial Services by Contractors- No Window Cleaning Above Ground Floor
Our specialized commercial insurance programs for janitorial services help small business owners get better business insurance at lower rates.
Start an insurance quote for your janitorial business today.