The Importance Of Cleaning Insurance For Cleaning Service Companies
Risks are everywhere in the world no matter how much you try to avoid them. It does not matter in what industry you work in. This is why there is insurance so as to make you feel comfortable when working. Insurance is also a must for cleaning services. It does not matter whether you offer cleaning services such as carpet, laundry or house cleaning. You should have a risk insurance known as cleaning insurance.
Risks That Cleaning Insurance Protects You From
There are quite a number of risks when offering the services. Some of them include your employees getting sick or injured in the line of duty. An employee could slip and fall or experience a chemical burn from cleaning projects. Or what if an employee is accused of stealing equipment from an office they cleaned? Accidents are inevitable at every work place and they might result to damages that might cost you a lot of money. However, if you have a reliable cleaning insurance, you will be able to counter the negative effects of such problems. You will be able to run your business effectively and efficiently with no worries at all.
Who Requires Cleaning Insurance?
As long as you are working the cleaning industry, then you require a cleaning insurance. This is so as to protect yourself from liability and also enable you save a lot of money. There is cleaning insurance for many businesses. Some of the businesses in the cleaning industry include the following:
- Carpet Cleaning
- House Cleaning
- Laundry Services
- Dry Cleaning
- Office Cleaning
- Cleaning Services
Most companies that offer cleaning insurance give a package that includes a Business Owners Policy (BOP). It also comes with a compensation for workers and also the commercial autos are insured. This is quite a wonderful package that you need to grab as a cleaning service provider.
What Is General Liability Insurance
General liability insurance (GL) is a very important part of a cleaning insurance. This is because of what the liability insurance comes with. GL is important because it can provide protection to the cleaning service provider against lawsuits. The client will not be responsible of paying whatever the judge decides the company to pay in a court o flaw.
GL also protects against financial liabilities that might come from accidents or other incidences that you might be responsible of. The insurance company is the one responsible of taking care of all the charges and liabilities. They accept full responsibility of paying whatever is decided.
In a BOP, the GL is put under a number of coverage. You will be able to enjoy this wonderful service in any package you take. However, you can also opt to get a cleaning insurance without GL coverage. This is possible through the Progressive Commercial Advantage program that does not provide full BOP. You should however check if you are eligible for this service or not.
Compensation Insurance for Workers
This comes through the Progressive Commercial Advantage program. It comes in handy when covering medical costs and a portion of lost wages for a worker who falls sick or gets injured while doing his work. However, a cleaning company should look if it is eligible for a worker’s compensation coverage in their cleaning insurance package. It can be a source of motivation to workers.