Janitorial, house cleaning and carpet cleaning companies have risks that are unique to the specific work they do. If you have insureds in such a business, their risks can be significant. Fortunately, a well-designed insurance program can protect you against the financial risks of this trade.
A cleaning or janitorial service will need to cover a range of business exposures. Your coverage needs may include some or all of the following:
- Real property if you own your business premises
- General liability to cover your responsibility for bodily injury and property damage to others
- Umbrella liability to provide extra limits
Stacey Shurson Vice President
M.J. Hall and Company, Inc.
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