Whether you’re a window cleaner, a maid, or a carpet cleaner, you face risks each day while on the job. If you run a small operation, you may think that cleaning service insurance isn’t necessary. After all, you’re a trained professional, right?
Accidents can happen to anyone. Insurance provides a financial safety net for when those unplanned accidents occur. Instead of paying thousands of dollars out of pocket, you can be prepared with coverage in place. Today we’ll talk about four cleaning accident examples and how you can prevent them.
#1: Replace Client Property
There are several types of accidents that can damage or ruin a client’s property. As a carpet cleaner, if you use the wrong chemicals on your client’s carpet and it leaves a permanent stain, you can be held liable for the costs to replace the carpet. If you’re a window cleaner and your ladder does any damage to your client’s window, you can be responsible for the costs of replacing the window. With a general liability insurance policy, these scenarios can be covered so you don’t have to pay the bills out of your own pocket.
#2: Pay Expensive Medical Bills
If your business operations harm or injure a client, you can be responsible to pay their medical bills. For example, you could have left your window cleaning supplies in a walkway and your client trips over it. Due to their fall, they break their ankle and are sent to the hospital after further review of the injury. The client sues you for causing the accident and wants compensation for missing work. The court takes the client’s side and you are legally liable to pay for their medical bills. Depending on the covered claim, your window cleaning insurance policy can cover those expenses.
#3: Pay the Costs of a Lawsuit in Court
If another company has oral or written publications that damage your cleaning business’s reputation, you can be responsible to pay for your legal defense fees. Keep in mind that there are several different costs that you could have to pay yourself, such as:
- Court filing and processing fees
- Litigation expenses
- Damages to the plaintiff
- Hiring experts in the industry
- If out of state, travel expenses for yourself and legal team
With cleaning business insurance, you can have these costs covered with the Personal & Advertising Injury Limit.
#4: Purchase All New Equipment
As a professional cleaner, your tools and equipment are very valuable to you; after all, you can’t do your job without them. If your equipment gets damaged or stolen either by someone or while in a vehicle in transit, you are responsible to replace your equipment. If you purchase a cleaning business insurance policy and get tools and equipment coverage, you can file a claim and get your equipment covered.
Get Insured From Insurance Canopy
With insurance, you can have coverage in place for when accidents happen. When you are running your business, there is always a chance of a lawsuit happening and one slip up is all it takes. Whether you’ve been in the industry for a handful of years or decades, general liability insurance can come in handy if you ever face a legal battle. Insurance Canopy offers cleaning service insurance for window cleaners, carpet cleaners, house cleaners, maids, and janitors. Take a look at this list of benefits that Insurance Canopy offers:
- Our easy, online process takes less than 10 minutes to complete
- 24/7 access to your insurance policy with your online user account
- Filing a claim is quick and easy
- Make changes to your policy at any time
- Unlimited additional insureds at no additional cost
- You receive instant access to your insurance documents
- Our base policy is affordable, starting at just $27 / Month
- Customizable policy options to fit your business needs
- You receive a proof of insurance badge to show your clients you’re insured
Purchase a cleaning business insurance policy today and get the coverage you need for $27 per month. If you have any questions about our policies, feel free to reach out to our licensed insurance agents today. Happy cleaning!