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Who needs professional janitor insurance?
If you are a janitor regularly working on-site at customers’ offices and buildings, handling delicate and expensive items, and using heavy duty cleaning products, you may want to consider general liability insurance for you and your business. Since even seemingly harmless situations can lead to lawsuits filed against you, Hiscox offers janitorial liability insurance to protect janitors from these risks.
Hiscox understands the risks that janitors face on a daily basis and customizes janitor insurance coverage to fit their specific business needs. Even liability claims that are baseless can drain a business’s assets, so it is in a small business’s best interests to plan ahead for litigious situations. We are in the business of encouraging courage and inspiring confidence in small business owners such as you.
If providing janitorial services is just one of many things that your small business offers, then you may also be interested in learning more about these other types of insurance that Hiscox provides:
Example professions we also insure
Janitor insurance policies available
General Liability Insurance for janitors
General liability insurance for janitors can empower janitorial professionals to take on new jobs, work with more clients, and hire additional staff to support the business.
General liability insurance, also known as commercial general liability (CGL), could protect your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. As you take your supplies and skills from one office, warehouse, or school to another, general liability insurance can step in to cover claims regarding injuries to people or property damage.
Janitorial professionals can benefit from having this type of insurance coverage in many instances. Here are a few hypothetical scenarios to demonstrate what we mean.
- Bodily injury: A customer trips over your cleaning supplies while you are cleaning her home. The customer breaks her arm as a result of the fall and incurs costly medical treatment. She files a claim against you to hold you legally liable for her injury.
Even if you don’t believe that a customer’s injuries were your fault, your business could still be put at risk because of a situation like this. With Hiscox insurance for janitors, your policy may cover the subsequent claim and related medical expenses up to your limits of liability.
- Damage to another's property: One of the employees you have hired to help expand your janitorial business accidentally bumps into a table in a customer’s home and knocks over a lamp. The lamp breaks and, since the incident occurred during a scheduled cleaning service, the customer sues your business for the cost of replacing the lamp.
Hiscox’s insurance for janitors not only covers incidents of property damage, but also covers the services provided by your employees. Feel more confident with every new employee you hire by requesting an insurance quote for janitorial services today.
- Personal injury: One of your employees is at lunch. He talks to the owner of the restaurant about one of your clients in a false and unflattering way. The client learns of this discussion and sues you for slander.
Hiscox janitor insurance may even cover claims of slander and other forms of personal injury. In situations like this, we may cover the claim filed against you, up to your limits of liability, and also pay for an attorney to defend you if necessary.
Learn more about general liability insurance costs.
Why do janitorial professionals choose Hiscox?
Unforeseen lawsuits can put even the best janitorial business in jeopardy, but Hiscox can help. We are in the business of helping small businesses succeed by mitigating risks and helping professionals plan ahead for accidental slips and falls, claims of failing to secure the premises after cleaning, damage to expensive items in cleaning areas, and other liability-prone situations.
Among all of the insurance options available today, Hiscox is chosen by janitorial professionals. Here are four of the top reasons why:
- Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help you manage your cash flow.
- Tailored insurance: We specialize in businesses like yours and tailor coverage to the risks in your field.
- Claims responsiveness: When a covered claim is reported, Hiscox will immediately assign a dedicated claims representative to assist you.
- Coverage for contracts: Our architects insurance coverage satisfies most standard contract insurance requirements.
- Worldwide coverage: A business insured through Hiscox is covered for work done anywhere in the world, as long as the claim is filed in the U.S., a U.S. Territory or Canada.
- Passion for service: Agents knowledgeable about your business concerns will provide you with excellent service—4.7/5 people surveyed recommended us.
Protect the janitorial business in which you’ve invested so much and worked so hard to build. Get a fast, free quote now and get that Hiscox confidence behind your janitorial business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET.
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This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.