Operations this guide may include
- Office, retail, and commercial-building janitorial service
- Residential and recurring house-cleaning service
- Floor care, carpet cleaning, pressure washing, and window cleaning
- Post-construction, medical-office, industrial, and specialty cleaning
Questions that shape the conversation
Insurance markets evaluate the complete operation. These are examples of details that can materially affect the available path.
- Which customer locations and services generate the business's revenue?
- Do employees hold keys, alarm codes, payment information, or unsupervised access?
- Are ladders, lifts, exterior windows, pressure washing, biohazards, or industrial machinery involved?
- How are hiring, background checks, chemical handling, training, and customer-property incidents managed?
Coverage topics to discuss
General liability
Customer-property damage, slip-and-fall, premises, and operational exposures.
Business service bond and crime
A separate discussion involving employee dishonesty and qualifying customer-property concerns.
Commercial auto and hired/non-owned auto
Owned vehicles and employee or rented vehicles used to reach customer locations.
Workers compensation
Employee injury considerations involving lifting, chemicals, repetitive work, falls, and travel between jobs.
Information worth preparing
- Service and customer-location breakdown
- Employee count, payroll, hiring, screening, and supervision procedures
- Chemical, equipment, height, vehicle, and key-control details
- Largest contracts, requested limits, current insurance, and loss history
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Explore this guide →This guide provides general educational information, not legal, tax, or insurance advice. Coverage availability, eligibility, limits, exclusions, and pricing vary by applicant, insurer, policy, and state.