Janitorial Insurance in New Hampshire

Also providing janitorial insurance to residents in Massachusetts, Maine, Rhode Island, & Vermont.

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What is janitorial insurance?

Janitorial insurance is a specialized type of business insurance designed to protect janitorial and cleaning services from various risks associated with their operations. This insurance covers a range of liabilities, including property damage, personal injury, and professional liability, ensuring that your cleaning business may operate smoothly even in the face of unexpected events.

3. Professional Liability:

• Negligence Claims: A client might claim your cleaning solutions damaged their carpet or furniture. Professional liability insurance (also known as Errors & Omissions) can cover legal costs if they sue you for negligence.
• Missed Appointments: If a janitorial error leads to missed cleaning appointments and unhappy clients, this insurance could help cover any financial losses incurred.

4. Business Interruption:

• Unexpected Events: A fire, flood, or severe weather event could force you to close your business temporarily. Business interruption insurance provides financial aid to cover lost income and operating expenses during this period.

5. Workers’ Compensation:

• Janitorial work can involve physical tasks that carry a risk of injuries. Workers’ compensation covers medical expenses, lost wages, and disability benefits for employees injured on the job. This not only protects your workers but also shields your company from lawsuits and legal fees associated with work-related injuries.

What are the key components of a janitorial insurance policy?

A well-rounded janitor insurance policy offers a multi-layered approach to protecting your business. Let’s explore each crucial component in detail:

1. General Liability Insurance (GL):

This forms the foundation of your insurance coverage. GL protects you from financial losses arising from third-party claims, including:

• Bodily Injury: Covers medical expenses and lost wages if someone (other than your employees) gets injured due to your business operations. For instance, a wet floor sign might be missing, and a customer slips and breaks their arm. GL would cover their medical bills.

• Property Damage: Pays for repairs or replacement of property belonging to others that gets damaged by your company’s actions. An overflowing sink damages a client’s hardwood floor. GL would cover the repair costs.
• Personal Injury: Protects against non-physical injuries like slander or libel. A competitor might spread false rumors about the quality of your services. GL could help cover legal costs to defend your reputation.

2. Professional Liability Insurance (Errors & Omissions):

This safeguards your business from claims of negligence or errors in your professional services. Scenarios include:

• Improper Cleaning: A cleaning solution damages a client’s expensive rug. Professional liability insurance could cover their repair or replacement costs if they sue you for negligence.
• Missed Appointments: If a scheduling error leads to missed cleaning appointments and unhappy clients, this insurance could help cover any financial losses incurred.

3. Commercial Property Insurance:

This protects your business’s physical assets in case of unforeseen events such as:

• Fire, Theft, or Vandalism: Covers damage or loss of your office space, cleaning equipment, and supplies due to these perils.
• Natural Disasters: Provides financial assistance if your business property is damaged by a storm, flood, or earthquake (depending on the specific policy).

4. Business Interruption Insurance:

This acts as a safety net if your business is forced to close temporarily due to a covered event, such as a fire or severe weather. It helps cover:

• Lost Income: Provides financial support to compensate for lost revenue during the closure period.
• Operating Expenses: Helps cover ongoing expenses like rent, salaries, and utilities while your business is unable to operate.

5. Workers’ Compensation Insurance:

This mandatory insurance protects your business and employees in case of work-related injuries or illnesses. It covers:

• Medical Bills: Pays for medical treatment related to the work-related injury or illness.
• Lost Wages: Replaces a portion of the employee’s lost income while they recover.
• Disability: Provides ongoing financial support if the employee suffers a permanent disability due to the work injury.

6. Commercial Auto Insurance (if applicable):

If your janitorial business uses vehicles for transportation or errands, commercial auto insurance is crucial. It covers accidents involving your business vehicles, including:

• Bodily Injury and Property Damage: Pays for medical expenses and repairs to other people’s property if you are at fault for an accident.
• Collision and Comprehensive Coverage: Protects your own vehicles from damage caused by accidents, theft, vandalism, or natural disasters (depending on the policy).

How much does janitorial insurance cost?

The cost of janitorial insurance in New Hampshire varies based on several factors:

• Size of the Business: Larger janitorial companies with more employees and equipment typically have higher premiums.
• Coverage Limits and Deductibles: Higher coverage limits and lower deductibles increase the cost of insurance.
• Location: The location of your janitorial business may affect the premium, with urban areas generally having higher rates.
• Claims History: A history of frequent claims may lead to higher premiums.
• Type of Work: The specific services you offer and the associated risks may influence the cost.

How can businesses in New Hampshire obtain janitorial insurance?

Reach out to the independent agents at Insurance24 for a fast quote on janitorial insurance in New Hampshire. Our experienced team is committed to helping you find the most affordable coverage tailored to the unique needs of your janitorial business. Whether you’re looking for liability protection, property coverage, or workers’ compensation, we have the expertise to ensure you’re fully protected.