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Janitorial Services General Liability Insurance
As the owner of a janitorial services business, you have a lot to be responsible for. You may pride yourself on offering excellent janitorial services to your customers but you know first-hand how stressful it can be as well. The daily realities of running your business smoothly while keeping customer and employee schedules straight can be strenuous. Additionally you must keep your business successful and to do that your customers must be happy with the services you provide. General Liability insurance for janitorial services helps you protect your company so that you can focus your efforts on furthering its success.
Bodily Injury Coverage
Bodily injury coverage is the portion of your Janitorial services general liability policy that protects your clients. If one of them sustains physical injuries because of your company, this coverage will pay the medical expenses and bills that arise for their care. This helps you financially as well, because you will not have to pay those bills out of company funds.
Property Damage Coverage
General liability insurance for janitorial services also protects you when property is damaged. If one of your employees break’ a lamp while cleaning a clients office for example, property damages coverage pays for a replacement or the cost of repairs.
Products and Completed Operations Coverage
Another section of general liability insurance for janitorial services is products and completed operations protection. This coverage protects your company if legal allegations are filed against you because of products you sold or services you rendered. Anyone who manufactures or sells products can be held legally liable if one of those products brings harm to a customer. If you provide a service and it is later discovered that your actions caused harm or property damages, then you’re legally liable for that as well. Products and completed operations coverage protects you from these potential risks both legally and financially.
Personal and Advertising Injury
Personal and advertising injury protects you when there are allegations of other types of harm. If a competitor or supplier files allegations of libel or slander for example, this section of your general liability for janitorial services insurance protects you.
Damage To Premises Rented To You
When you rent premises for your business operations, your landlord and least may require you to carry this coverage. As part of your general liability policy, rental premises coverage protects the property or structure that you use. For example, if one of your employees accidentally knocks a hole in the wall or causes a fire, this section of your coverage pays for the cost of repairs.
Medical Expense Limit
Medical expense limit protection is another section of general liability insurance for janitorial services. It protects your company from having to deal with customer lawsuits when minor injuries occur. This coverage pays for your customer’s minor medical care expenses even if you’re not at fault for the claimed injury.
Limits of Liability Insurance
- Each Occurrence – Your policy will limit how much benefits can be paid for each claim per person.
- General Aggregate – A general aggregate is the total amount of benefits your policy will pay regardless of how many times claims are made. Once the total aggregate maximum limit is met, a general liability policy will be declared as exhausted and unable to pay additional claims.