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, [...]
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 [...]
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, [...]
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 [...]
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 [...]
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 [...]
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.
