Minnesota Janitorial Insurance
Are you searching for low-cost janitorial insurance in Minnesota? Your search has ended.
Janitorial Insurance – Low-cost general liability insurance quotes for Janitorial Services and Cleaning Services in Minnesota. You need quality janitorial liability insurance coverage that doesn’t break the bank as a janitorial or cleaning service doing house and office cleaning.
We quote multiple carriers and offer low-cost insurance quotes for residential and commercial cleaning companies. Protect your MN janitorial and cleaning business with the best protection you can. Let us help you with a bond and insurance for cleaning business. We will show you some quote options and help guide you in the right direction.
You work so hard to build your janitorial business and need janitorial insurance to protect it each day. Don’t take the risk of not having coverage or not having the proper coverage. Let our professionals help you today. Don’t wait any longer.
We also write bond insurance for cleaning businesses. A janitorial bond is a janitorial surety bond, and Janitorial bond help protect your clients from employee theft.
Our agents speak contractor insurance! Janitorial services insurance is one of the things we do best. What do you do best?
We insure contractors and janitorial businesses all over the state—Minneapolis to Rochester, Lakeville to Duluth, St. Cloud to Mankato.
We will find you affordable janitorial insurance coverage. Please do yourself a favor and call us today, 952-469-0425.
General Liability Insurance for Janitorial and Cleaning Businesses
Minnesota janitorial insurance is general liability insurance and is the core policy for Minnesota janitorial and cleaning companies. Janitorial contractors should buy this policy first.
What does janitorial insurance / public liability insurance cover? Public liability or General liability insurance covers bodily injury and property damage claims. Minnesota cleaning company, general liability insurance, protect your premises, product, operations, and completed operations.
Often MN insurance companies will include a $1,000 property damage deductible. Consider a property damage deductible when choosing a policy for your cleaning business.
Common limits of liability coverage are $1,000,000/$2,000,000. The $1,000,000 represents the per occurrence limit or claim. The $2,000,000 represents the aggregate limits or maximum per policy term limit for all claims presented. You must understand the basics here because you should have a contract with a hold harmless agreement and insurance requirements with your sub-contractors. We have some contractor insurance requirement examples to share, ask.
The rating of general liability insurance uses your gross sales, owner payroll, employee payroll, sub-contractor labor costs in most cases.
We secure and match insurance policies for janitorial contractors, cleaning companies, and house cleaners. We work with contractors like you every day. Take the next step and ask a question or request a Minnesota contractor insurance quote.
You might be delightfully surprised at the coverage and low cost. Reach out to us now by calling 952-469-0425 or completing our online form.
The Company I Want to Work With is Looking for Proof of Insurance
Many times a general contractor or the company you wish to work with will ask for a certificate of insurance or proof of insurance so you can work and get paid. They are just looking for general liability insurance fifty percent of the time. But, sometimes, they are also looking for additional insured status.
Perhaps even more important is to have workers’ compensation insurance. Proof can be requested even if you do not have employees. This type of policy would be called a ghost or waiver work comp policy.
Other common requests are commercial auto insurance and commercial umbrella insurance.
Business Owners Policy (BOP) Janitorial Businesses & Cleaning Companies
Janitorial businesses would typically qualify for a BOP. A general liability insurance policy mixes liability, building coverage, business personal property, and commonly needed coverages for businesses.
A BOP is used often in Minnesota for retail companies. Created in the 1970s, the BOP has the bells and whistles most companies need.
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Contact Us for Quote – Minnesota Janitorial Insurance
Tell us about your Minnesota janitorial insurance and bonding needs. We are listening. Let us customize the appropriate policies for your janitorial company at the best price.
Request your Minnesota contractors’ insurance quote now! You will be happy you did. Please give us a call at 952-469-0425 or complete our online form.
Janitorial Insurance Coverage Frequently Asked Questions (FAQs)
Q- What types of business insurance do janitors need?
Ans:- Janitorial businesses and commercial cleaning companies face numerous risks.
- General liability insurance provides financial protection from third parties. It offers protection from bodily injury and property damage while cleaning.
- Workers’ compensation insurance is required in most states when you have an employee(s). It protects cleaning businesses if an employee gets hurt on the job. Work comp also protects against disease arising from the job. It covers medical costs, wage loss, and possible retraining to a different occupation, to name a few.
- Commercial auto insurance covers bodily injuries and property damage from an accident that involves a janitorial company’s automobile, and it can also cover the vehicle itself. Business auto insurance can protect against physical damages, such as fire, theft, vandalism, deer, birds, hail, and collision or upset.
- Business owner’s policy – A business owner’s policy or BOP is a simple yet cost-effective way to purchase general liability insurance, property insurance, and business income coverage together in one policy.
- Commercial umbrella insurance provides a layer of financial protection above your primary policy’s coverage limits.
Q- How much does insurance cost for janitorial services?
Ans:- $482 per year is a typical insurance cost for a one-person janitorial business. Generally speaking, the more janitors, the higher the cost of the general liability insurance.
Janitorial insurance costs can also be affected by other factors such as:
- The cost of your cleaning property and equipment
- Your business size and gross sales
- What types of business insurance (general liability, workers comp, commercial auto, bond, equipment, etc.)
- Insurance policy limits and deductibles
- Your claims history
- Years of experience
Q- What do you call a person who cleans offices?
Ans:- An office cleaner, a janitor, custodian, porter, janny, cleanser, cleaner, and caretaker maintains and cleans office buildings.
Q- Why is janitor offensive?
Ans:- The word janitor, for some people, is demeaning. The reason is it the word janitor refers to an unskilled, low-paying position. People and our culture have twisted this meaning over the years, and it does not truly reflect the true nature of this position.