Common questions about Cleaning Services
Answering the most frequently asked questions about Cleaning Services.
That’s a common loss and it’s usually not covered by your general liability or your auto policy. Tools and equipment coverage or inland marine handles equipment away from your premises, including in a locked vehicle.
Most commercial cleaning contracts require general liability, workers’ compensation, and a janitorial bond, with your client named as additional insured. Larger accounts often add an umbrella requirement. We can review a contract before you sign it.
Yes, and it’s the most common claim in this trade. General liability responds to damage you cause at a client’s property. Read your policy for care, custody and control language, since some forms limit coverage for the specific item you were working on.
Yes. If an employee causes an accident while working, your business can be sued even though you don’t own the vehicle. Hired and non-owned auto coverage addresses that, and it’s inexpensive relative to the exposure it closes.
No. A bond guarantees payment to your client if an employee steals from them; it protects the client, not you. Crime insurance protects your business. Commercial contracts often demand a bond by name, so many cleaning companies need both.
A janitorial bond is a type of surety bond that protects your clients against losses caused by dishonest acts of your employees. It can help build trust with clients and may be required by some contracts.
If you use vehicles for business purposes, commercial auto insurance is necessary. It covers accidents, theft, and damage involving your business vehicles.
General liability insurance covers third-party property damage, bodily injury, and advertising injury claims.
In most states, workers’ compensation insurance is required if you have employees. It covers medical expenses and lost wages for work-related injuries.
Yes, many states require cleaning businesses to have a license. Check with your local authorities for specific requirements.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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