You began your cleaning company to help others, but no one is safe from sticky situations.
Cleaning companies have some major risks, such as accusations of theft, unintentional injuries, and even car troubles on your way to a job. Without proper insurance coverage, these small issues can be deadly to your company.
The right insurance policy for your business will help protect you from some of life’s unexpected curveballs, but without prior knowledge, it can be difficult to determine which policy is best.
We’ve rounded up the best information on cleaning company insurance so you don’t have to. Keep reading to discover which coverages are best for you and how to get them!
Here are a few of the most popular policies that you need to look into.
General Liability
This type of coverage is a blanket policy that clients might require and is usually required for small businesses. It protects you as an employee from injuries or accidental harm to client property.
Commercial Property
This is a policy that you’ll need if your business uses expensive equipment. Carpet cleaners and vacuums can be pricey, so the last thing you want is to be out of luck if they are stolen. Commercial property insurance will reimburse you for the cost of this equipment, even if it is lost or damaged.
Workers Compensation
As an employer, you want your employees to feel protected and safe while they’re out in the field. In 2018 alone, 2.5 million employees sustained work-related injuries while on the job. Workers Comp insurance will save your skin during a potential lawsuit and help reimburse the employee for medical bills or lost wages.
Commercial Auto
Every successful cleaning company has to transport some pretty hefty equipment. Instead of paying out of pocket for expensive damage to your company vehicle, get commercial auto insurance.
Employee Theft
No boss wants to have a difficult conversation with an employee accused of stealing from the client. Unfortunately, theft happens and employee theft insurance can help protect you as an employer from lawsuits or charges.
After reading through some of the insurances above, you might recognize a few that would benefit your cleaning business. Head to the EPG Insurance website (here) to learn more about the policies they provide.
Their experts will work with you one-on-one to tailor-make a policy that meets your specific needs. No two businesses are the same, so policies shouldn’t be either.
Each company needs different types of coverage, so don’t let big-name insurance companies trick you into bundling unnecessary policies! On the other hand, make sure you check out your local or state requirements for small business insurance.
EPG Insurance has your cleaning company’s best interests in mind.
Mastering Insurance for Cleaning Companies
Cleaning companies help out so many people, so let the professionals at EPG Insurance help you. Protect your employees, company, and even vehicles with their policies today.
For more informative tips and tricks to better your life, explore some of the other articles on our site!
