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What type of insurance do you need for Cleaning business?

You are running a cleaning business and are very successful at it. But are you aware of the liabilities and risks involved in not having the minimum insurance required for your business? Your business could be shutdown and you could be in help accountable for the losses claimed by your clients.

1. General Liability insurance: This could be for $1million per occurrence to $2-4 million for aggregate with a premise damage, medical riders, personal injury riders.

2. Auto Liability insurance for any of your hired or non-owned autos or owned autos.

3. Umbrella Insurance to cover any other incidents

4. Workers Compensation for your staff

5. Professional liability insurance.

Not only Commercial cleaning contracts but also house cleaning clients ask for liability insurance and prefer to hire cleaning services with proper coverage.

Either you are in home cleaning or office cleaning, understand your liabilities and ensure that you have enough coverage.