Insurance quote is an estimated premium amount that is decided for you to pay in order to get potential insurance services. Different insurances prepare different quotes depending on the services or package you opt to choose.
What is cleaning insurance?
Cleaning insurance is protection against any property damage or employee injury that is caused by the cleaning services provided by your company.
Get a better idea about your requirements
1. Does your profession cater cleaning services?
2. Do your services cater to commercial or residential customers?
3. Does your business ask for life-risking tasks, like cleaning glasses of a multi-story building or cleaning a septic tank?
4. Do you clean expensive objects, like upholstery?
5. Are these services accident prone? Do these accidents harm employee or a third person?
6. What are the possibilities of getting caught into legal cases?
7. What are the dangers associated, like inflammable cleaning chemicals may catch fire?
8. How many quotes will you need according to the number of needs you want catered and protected?
Who are eligible for getting insured?
1) Building cleaners and renovators
2) Carpet cleaning/upholstery
3) Chimney cleaning
4) Janitorial services
5) Maid services
6) Septic tank system cleaners
7) Street cleaners
8) Swimming pool cleaners
9) Window cleaners
What does it cover?
1) Business owner’s policy (BOP)– that offers protection from all major property and liability risks in one package. This includes:-
a- Property insurance for buildings and objects owned by the business owner.
b- Business interruption insurance that covers loss of income against fire or other upheavals resulting from business services and operations.
2) General liability insurance–that protects the insured from legal liabilities when a third party is harmed or claims that it is harmed by the company’s operations. For example, if a person cuts his leg due to broken glass that was damaged while being cleaned.
3) Surety bonds – In Wikipedia’s words “A surety bond or surety is a promise by a surety or guarantor to pay one party (the obligee) a certain amount if a second party (the principal) fails to meet some obligation, such as fulfilling the terms of a contract.”
4) Property insurance – Property insurance provides compensation for expenses of property and content in the event of damage or theft.
5) Employee compensation insurance – Provides an employee medical benefits along with wage replacement in case an employee is injured during employment operations. It is done in exchange of employee’s right to sue his/her employer for negligence.
6) Commercial auto insurance – Protects you against costs of injury or damage of property caused to a third person in an accident by you or your employee in your commercial insured vehicle.
7) Umbrella/excess liability insurance – Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies.(Wikipedia)
Things to take care of,
1) Vehicles are not covered by most cleaning insurances.
2) Coverage of fire (since most of the cleaning chemicals are inflammable) must be asked for.
3) Insurance for commercial and residential customers may vary. Ask for both differently is one does not cover the other.