Not only is workers’ comp coverage legally required for almost all cleaning and janitorial businesses with employees‚ but it also helps provide protection for the business by reducing its financial risk.

What is a clerical office employee?

Clerical office employees are defined as employees engaged exclusively in bookkeeping, in record keeping, in correspondence, in computer composition, in technical drafting or in other office work in clerical offices where books and other records are kept or correspondence or drafting is conducted.

What kind of insurance do I need for my cleaning company?

While a general business insurance policy will coverage most of your insurance needs, there are three main types of business insurance that you need specifically for your cleaning company: 1. General liability insurance

Do you need a cleaning company for your business?

There is no shortage of home and business owners that require the services of a cleaning company. If you want to be successful in the housekeeping business, you need to do things the right way. You need to think about it in terms of being a housekeeper and as a business professional.

Why do you need insurance for janitorial services?

The costs associated with repairing damaged property, medical bills, and/or any legal claims that may be filed against your business could be financially devastating. Janitorial cleaning services insurance coverage can help to off-set these costs and prevent you from having to pay for such damages out of your own pocket.

When do I need insurance for my housekeeping business?

You will need commercial property insurance if you have an office or storefront. You will need home-based business insurance if you run your housekeeping business out of your home. You will need commercial auto insurance to cover the vehicle you use to get to your clients’ homes and businesses.