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Cleaning and Janitorial Businesses Insurance F.A.Q.

Why do cleaning and janitorial businesses need insurance?

Cleaning and janitorial businesses face a variety of risks, including damage to property, accidents, and injuries. Insurance can help protect businesses from the financial impact of these risks and cover costs associated with liability claims.

What types of coverage are typically included in cleaning and janitorial business insurance?

Cleaning and janitorial business insurance typically includes general liability insurance, commercial auto insurance, property insurance, and workers' compensation insurance.

What is general liability insurance and why is it important for cleaning and janitorial businesses?

General liability insurance covers third-party bodily injury and property damage claims. It can protect businesses from lawsuits and help cover legal fees and damages.

How much does cleaning and janitorial business insurance cost?

The cost of cleaning and janitorial business insurance varies depending on factors such as the type and amount of coverage needed, the size of the business, and the risks associated with the business's activities. Generally, the cost of coverage can range from a few hundred to several thousand dollars per year. It's important for businesses to work with an experienced insurance agent who can help them assess their risks and identify appropriate coverage options.

Cleaning and Janitorial Insurance Information

Janitorial services businesses typically need a combination of insurance coverages to protect their business and assets from potential risks and liability. Here are some of the coverages that are commonly recommended for janitorial services businesses:

1. General Liability Insurance: This insurance coverage protects against third-party bodily injury and property damage claims. For janitorial services businesses, this coverage is important in case a client or someone else is injured on your property or as a result of your services.

2. Commercial Auto Insurance: This coverage is necessary if your business owns and operates vehicles. Commercial auto insurance covers physical damage and liability for accidents involving your business vehicles.

3. Workers’ Compensation Insurance: If you have employees, workers’ compensation insurance provides benefits to employees who are injured or become ill as a result of their work. This coverage is required by law in Texas if you have employees.

4. Property Insurance: This insurance coverage protects your business property, such as equipment, tools, and office space, from damage or loss due to events like fire, theft, and weather-related incidents.

5. Professional Liability Insurance: Also known as errors and omissions insurance, this coverage protects against claims of negligence or mistakes in providing professional services. For janitorial services businesses, this coverage can be important in case you damage a client’s property or fail to provide the services you were contracted to perform.

6. Surety Bonds: A surety bond is a type of insurance that guarantees the performance of a specific job or contract. In the janitorial services industry, surety bonds can be used to assure clients that you will perform the work as agreed upon.

In Texas, insurance providers offer a variety of coverage options for janitorial services businesses. The specific coverage you need and the cost of that coverage will depend on the size of your business, the services you provide, and the risks associated with your business activities. It’s important to work with an experienced insurance agent who can help you assess your risks and identify appropriate coverage options.

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Customer Reviews

Mojo BlockMojo Block
18:36 23 May 23
Voyage Insurance Group is very new to me and my family in search of equitable and affordable insurance. The cost of insurance in this current rise of inflation and greed is difficult to figure out. Voyage has shown to me real results…They are simply refreshing and sincere in their approach to the buyer’s needs. However you have morphed seeking a positive desire for change that is affordable in you quest of the right insurance, home or car., Voyage is worth the call… Trinity or Rachel are great at their job to seek out more affordable and equitable insurance… Thank you Trinity and Rachel…
Sal Da DoorSal Da Door
17:16 15 Feb 23
Micah is always friendly and reliable. His word truly is his bond and I’d prefer no one else to handle any of my insurance needs.
DeQuincy LydiaDeQuincy Lydia
04:17 15 Feb 23
Always great working with Michael. He is very professional, knowledgeable and also quick to respond to any questions I may have. He was really able to help me last minute and I'm very grateful!
julie pachecojulie pacheco
03:12 03 Feb 23
Micah Clements was very prompt and professional in assisting me with my needs for home and auto insurance. Micah provided me with multiple options that best fit within my financial budget. I really didn’t think he was going to be able to beat what I was paying with my prior insurance company, but he did, by half! I’m happy I was referred to this group.
23:41 02 Feb 23
the best quote and profesional Customer Service, you can trust in Voyage Insurance Group.
I had a great experience getting assistance from Brandi Grauel, she is so professional and attentive, she was able to show me several car insurances options and helped me to find out what was the best option for me. Anyone who is shopping around but not sure yet.. give her a call
Regina PopeRegina Pope
21:17 02 Apr 22
David Miller out of Pearland helped us save so much money on our personal auto and our commercial auto premiums. We received such a good deal that we paid it all upfront! David was quick and efficient and we are glad to do business with him!
Bridgette GarciaBridgette Garcia
19:21 02 Apr 22
I had an exceptional experience with Voyage Group Insurance. David Miller was amazing! He provided great customer service and saved me $250. Thanks David!
Nate HeckmanNate Heckman
17:45 29 Mar 22
I've had a great experience with Voyage Insurance Group. Sergio Guerrero was the first person I spoke with about my quote and he was extremely helpful and pleasant to speak with. He was very professional and clear with his explanations to my questions. I appreciated that a lot. As a new customer I am indeed satisfied with my experience. Thank you!!!