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As a commercial cleaning professional, you have to provide flawless service to your clients, let they be business, commercial or private. Your service brings in a great deal of value to homes and properties, but at the same time, you should also consider the risks associated with your business.
Janitorial provides cleaning services of premises for industrial, commercial as well as institutional clients. Your business might provide exclusive services to clients or might have regular clients for offering their service to businesses on a daily basis. Regardless of what kind of service your business provides, it is important for your business to be secured with Iowa janitorial contractors insurance.
The typical services of a janitorial contractor might include removing trash from the premises, dusting, cleaning restrooms, regular vacuuming, sweeping floors or mopping. The other service areas of a cleaning contractor include draperies, cleaning carpets, polishing floors, draperies and window washing. Some janitorial services also provide cleaning services after crime scenes such as murders or shootouts.
When you have the right janitorial contractors insurance Iowa, your business will be secured from all types of lawsuits including but not limited to: lawsuits due to physical damage, employees safety and more.
Importance of Iowa janitorial contractors’ insurance
To others, your cleaning business might appear to be a simple deal where all you need to do is clean a commercial property. People might consider that there is no risk associated with your business which mostly includes mopping, vacuuming, dusting and other cleaning services.
However, when you are in the cleaning business, you will be able to understand the thousands of potentially devastating consequences that could arise with one simple mistake. Common situations include a person who might trip over your vacuum wire and get injured, they might sue your business for accidental damage. Or, one of your crew members might get seriously injured while performing a work-related task.
The costs that are associated with medical bills, damaged properties, or settling claims can be devastating for your business. With the right cleaning contractors insurance Iowa, your business will be protected from such claims and you won’t have to pay a single penny out of your wallet.
Types of Iowa Janitorial Contractors Insurance You Should Have
There is numerous Iowa cleaning contractors’ insurance that a cleaning company should carry. Some of the insurance is legally required while the others are to add the extra layer of security for your business. Here are some of the most necessary contractor insurance that your business should carry.
1. Commercial General Liability Insurance –
A General liability insurance would cover your business should they be sued or are liable for any of the claims listed below:
- Damage to client’s properties
- Physical injuries and deaths
Contractor general liability insurance policy will also cover the cost of the damages and losses incurred in the event. This insurance might help you pay for your legal defence as well as medical expenses. Your cleaning business’s facilities, materials, activities, and finished operations all require complete protection.
2. Commercial Property Insurance –
Commercial property insurance protects your company’s assets in the event of a calamity. If a fire or other covered peril occurs, this insurance will pay for the loss or damage of the following items:
- Other people’s properties
- Furniture and fixtures
- Building or structure
- Business personal property & equipment
3. Workers’ Compensation Insurance –
If you own a cleaning company, you should provide your employees with a holistic workers’ compensation for scenarios of your employees getting injured while doing their job. As a result, assuring your employees and their families that they are financially secure in the event of an on-site accident is always a smart idea.
The several benefits of Iowa workers compensation insurance are:
- Income benefits
- Vocational rehabilitation benefits
- Death benefits
- Medical benefits
- Burial benefits
4. Cleaning services equipment and Tools Insurance –
What if your tools and equipment get stolen while you are on the job? With cleaning insurance Iowa, your business will be protected from all kinds of losses that include theft and physical damage.
5. Commercial Auto insurance –
Commercial auto insurance to cover the following incidents if any of your cleaning company’s commercial vehicles are involved in an accident while in transit:
- Damage from accident
- Damage from non-collision (e.g, theft, vandalism,
- and other perils)
- Personal or medical payments of the insured
- Liabilities arising from property damage, injury, or death to another person
Contact us for Cleaning Insurance in Des Moines, Cedar Rapids, Davenport, Sioux City & Iowa City
Simply complete our quick quote form, or call us at 952-469-0425 today and we will create a carpenters insurance plan for you.
Frequently Asked Questions: Iowa Janitorial Contractors Insurance
Q: What does a contractor policy cover?
Answer: Cleaning Insurance offers coverage against any kind of loss or damage while providing a cleaning service. A cleaning insurance policy is designed to ensure the safety of cleaners, workers and dusters. This insurance policy contributes to reducing the overall expenses of any claimed insurance.
Q: What is general liability insurance for contractors?
Answer: A general liability cleaning insurance policy protects your cleaning business in case of damage to the client’s property. For example, a client’s flooring may get damaged because of the cleaning liquid you use. In that case, the general liability insurance policy can help your to pay for the expenses of replacement or repair of the flooring.
Q: What is covered under contractors’ all risk insurance?
Answer: Contractor’s All Risk Insurance offers holistic protection against any loss or damage in respect of the contractor’s work equipment or construction machinery. It might also include third party claims that can range from property damage or bodily injury arising in connection with the execution of the service.
Q: Do Janitorial Contractors need liability insurance?
Answer: Public liability insurance may not be a legal requirement for Janitorial Contractors, it is always a contractual requirement in the industry. Most businesses will insist you own public liability insurance before they sign a deal with you.