Cleaning & Janitorial Services Insurance
Is your janitorial business protected?
TAILORED COVERAGE FOR CLEANING SERVICES
GENERAL LIABILITY (GL)
Protects your business from a third party’s claims of bodily injury, property damage, and personal injury like slander and libel.
BUSINESS PERSONAL PROPERTY COVERAGE (BPP)
Available as an add-on to a GL policy, Business Personal Property Coverage covers accidental damage to your personal business property on premises (e.g. computers, printers, tablets, and office furniture). Coverage is also provided for property off-premises, such as laptops, mobile phones, tools and other equipment.
ELIGIBLE PROFESSIONS
Dryer vent cleaning
Janitorial/cleaning services
Residential cleaning services (interior and exterior)
Small commercial office cleaning services (interior only)
Why insure your business through Duxbury & Ray and Hiscox Insurance Company?
Experts in small business – The only insurer to specialize in small business
100 years of experience – Origins dating back to 1901
Flexible payment options – Pay monthly or annually
Strong customer service – Rated 4.7 out of 5 with 10,808 reviews (between 10/2011 and 4/2018)
HERE’S SOME INFORMATION THAT YOU’LL NEED
✓ Business location, including the physical address, whether you own or rent the location, and square footage
✓ Number of employees, now and anticipated over the next year. Include full‑time, part‑time and temporary employees
✓ Estimated gross sales for the next 12 months, and estimated gross sales from your largest single customer
✓ Estimated payroll expense for the next 12 months
✓ If your business uses a written contract, have an example available
There will be additional questions, depending on your answers to these and the type of business you have.
Ready to get started?
Contact me today to get same day coverage for your business
Why do I need insurance?
JANITORIAL SERVICES CLAIM SCENARIOS GL CLAIM EXAMPLES
Third-party property damage: While cleaning a home, you accidentally leave a faucet running at the residence, causing overflow and significant water damage to the home.
General liability insurance protects against third-party claims of property damage, and would cover the cost to fix it.
Bodily injury: You have been commissioned to wax the floor of a convenience store. A patron in the store slips and falls, breaking his leg. The patron sues the convenience store, who in turn sues you. General liability insurance protects cleaners against third-party claims of bodily injury, associated medical costs, and potential legal action.
Why do I need insurance?
Common risks for janitorial professionals
• Bodily injury
• Defamation, libel, slander
• Medical expenses
• Third-party property damage
One in 35 janitorial professionals experience a claim.
Visit Cleaning Services Insurance RI
Underwritten by Hiscox Insurance Company Inc. (HICI), a Chicago based insurance company. Copyright © 2019 Hiscox Inc. All rights reserved.