What Coverage & Exclusions Are Common?

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HomeSmall Business InsuranceInsurance for Cleaning Businesses | Coterie Insurance

Insurance for Cleaning Businesses | Coterie Insurance


In the ever-evolving landscape of small service-based businesses like janitorial or professional cleaning services, the challenges faced today are both diverse and demanding. As of 2022, there were over 1.1 million janitorial services businesses in the U.S., an increase of 6.9% from 2021. For dedicated insurance agents and brokers who specialize in this sector, it is crucial to recognize and address the unique hurdles that these types of businesses encounter daily. Coterie Insurance is committed to providing comprehensive coverage to today’s small businesses, and stands ready to navigate these challenges alongside you. In this blog, we’ll delve into the specific considerations agents and brokers should bear in mind when offering insurance for cleaning businesses, including those operations like floor waxing that are integral to their services. 

  • Chemical Exposure and Environmental Risks: 

Cleaning or janitorial services often work with cleaning chemicals that may pose health risks to employees and occupants. Agents should emphasize the importance of proper handling, storage, and training to mitigate chemical exposure. Additionally, the potential for environmental pollution should be addressed, especially if spills occur during cleaning operations. 

Janitorial service companies may operate during off-hours or in empty buildings, exposing employees to potential security threats. Adequate training and security measures, such as emergency communication protocols and personal safety training, are essential to minimize the risk of assault or theft. 

  • Equipment and Tool Safety: 

Janitorial staff frequently use equipment such as vacuum cleaners, floor polishers, and pressure washers. Agents should highlight the importance of regular equipment maintenance, proper usage training, and the potential for injuries associated with these tools. This includes slips, trips, and falls resulting from improperly stored or used equipment. 

The janitorial industry relies heavily on client trust and satisfaction. Agents should address the potential reputational risks associated with unsatisfactory service, property damage, or breaches of confidentiality. Having robust insurance coverage for reputational harm and clear communication protocols can help mitigate these risks. 

Janitorial service companies often enter into contracts with clients. Agents should emphasize the importance of reviewing and understanding these contracts to ensure that the insurance coverage aligns with contractual obligations. This includes addressing responsibilities for property damage, confidentiality, and compliance with service-level agreements. 

  • Technology and Data Security: 

In the digital age, janitorial service businesses may use technology for scheduling, billing, and customer communication. Agents should consider the risks associated with data breaches, emphasizing the need for cybersecurity measures and insurance coverage to protect sensitive customer and business information. 

  • Employee Training and Turnover: 

Janitorial services typically experience high employee turnover. Agents should underscore the importance of comprehensive training programs to reduce the likelihood of accidents and injuries. Implementing safety protocols and promoting a culture of workplace safety can help mitigate the risks associated with a transient workforce. 

Agents should stay informed about industry regulations and standards applicable to janitorial services. Ensuring that clients comply with these regulations can help prevent legal and financial repercussions. This includes compliance with Occupational Safety and Health Administration (OSHA) standards and any specific regulations related to cleaning chemicals. 

  • Pandemic and Infectious Disease Risks: 

Recent global events have highlighted the importance of addressing health risks, especially in shared spaces. Agents should consider the potential for claims related to the spread of infectious diseases and pandemics. Adequate coverage for business interruptions, increased cleaning protocols, and employee health and safety are crucial. 

  • Training and Education Programs: 

Janitorial service businesses may benefit from insurance policies that offer coverage for training and education programs. This can help mitigate risks associated with inadequate training, leading to accidents and injuries. Encouraging clients to invest in ongoing employee education can contribute to a safer work environment. 

Agents and brokers navigating the complexities of insurance for cleaning businesses can turn to Coterie Insurance as a trusted partner, providing tailor-made solutions for comprehensive coverage. Coterie empowers agents to offer clients protection against the unique challenges today’s small businesses face. Ready to start offering simple insurance for cleaning businesses in your area? Become a Coterie producer today!