Cleaning business insurance, also called janitorial insurance or cleaners insurance, is a form of contractor insurance that covers sanitation and custodian companies from the financial risks inherent in their work. Risks vary by work type and include slip-and-fall accidents, damage to or loss of keys or equipment, damage to buildings, travel risks, and many others.
If you own a janitorial or cleaning service or work as an independent cleaning contractor, you face daily exposure to these risks — from mopping that creates slip-and-fall liability to using a cleaning agent that damages a surface. It is essential to protect yourself, your company, and any staff you employ.
The level of coverage depends on your company's size, number of employees, and the nature of your work — office buildings, manufacturing, carpet cleaning, residential, or commercial. A range of coverages are commonly purchased.
Covers third-party bodily injury and property damage, including slip-and-fall incidents and damage from cleaning agents.
Protects a head office or storage facility for cleaning supplies, tools, and equipment against fire or similar events.
Lost Key Coverage
Covers the cost of replacing lost keys, locks, and copies. Note: it does not cover subsequent theft of cash or inventory if a building is left unlocked.
Required if you transport equipment, supplies, or employees commercially, or use a personal vehicle for business.
Protects against breakdown of tools and cleaning equipment, including costly industrial floor scrubbers.
Employee Theft Coverage
Covers financial losses from employee fraud or theft.
Disability Coverage
Provides a monthly benefit to cover income if injury or illness prevents you from working.
Worker's Compensation Insurance
Government-provided coverage that protects employees injured on the job.
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Who Needs Cleaning Business Insurance Coverage In Ontario?
If you own a janitorial or cleaning service or work as an independent cleaning contractor, then you should have cleaning business insurance coverage. You are likely familiar with some of the risks in your work. For instance, if you're mopping a floor and someone trips and falls, you may be liable for a lawsuit and have to cover medical expenses. Likewise, if you use a cleaning agent and damage the surface, you could be held legally responsible for property damage if there's a bad reaction. A single accident like this can cause significant damage to any company, especially a small business.
It's essential to protect yourself, your company and any staff you employ. Otherwise, you may need to pay out of pocket for costs that you weren't expecting. In this event, your cleaning business could fall into the red, and you may need help figuring out how to pay.
How Much Coverage Is Recommended For Cleaning Business Insurance?
The cleaning business insurance package that would work best for your company depends on several factors. The size of the cleaning business, the value of equipment used, whether or not a vehicle is used, and the chemicals used are just some factors in determining the level of coverage recommended for each business.
Are My Cleaning Tools Covered?
It depends. Sometimes, they are, and sometimes, they need an additional option like tools and equipment insurance. Please speak to your Morison Insurance Broker to find out more or when you begin a cleaning business insurance quote.
Do Home-Based Businesses Need Cleaning Business Insurance?
Yes. Even if you operate your business from home, you still need cleaning business insurance to protect against claims that could happen while you work—as most of your clients operate in commercial or residential buildings.
How Can I Lower My Cleaning Business Insurance Rates?
It is understandable to want to save some money on your insurance bill. Luckily, plenty of options are available to save money on insurance for your cleaning business. This includes the following:
What Information Do I Need To Get A Cleaning Business Insurance Quote?
When applying for cleaning business insurance, you can get a head start by ensuring your paperwork is in order beforehand. One way to get ahead is by knowing what questions your insurance broker may ask while establishing the best coverage for you—based on your company's unique needs. For instance, some of these questions may include:
Please note that this is not a complete list. If there are other issues, your Morison Insurance broker will kindly let you know.
