Most businesses that provide cleaning services in Ontario hire a specific number of workers, all of which are at risk of injury and illness. This is where cleaning insurance comes into play, as it will protect your employees in the event they are involved in an accident that causes them to get sick or injured. Having liability coverage can help reduce the financial burden associated with these problems.
Who will need Cleaning Insurance?
Any business that offers cleaning services to residential, commercial and industrial establishments in Ontario needs to carry cleaning insurance. Businesses that provide the following services could benefit from this coverage:
- Window cleaning
- Dry cleaning
- Laundry services
- Office cleaning
- Carpet cleaning
- Move-out cleaning
- Apartment cleaning
- Residential cleaning
Apply for liability insurance through ProfessionalsCoverage could include workers’ compensation insurance, a Business Owners policy also known as BOP and commercial auto insurance. Combining these insurance coverages into one policy is a great way to keep your premiums at a minimum.
What Is General Liability Insurance?
A very important component of cleaning insurance is general liability insurance, better known as GL insurance. This coverage protects cleaning businesses against financial liabilities associated with third-party claims and lawsuits. If you or one of your employees is involved in an accident or mishap that causes a third-party bodily injury or damages, your company will be responsible.
General liability insurance can be combined with other coverages to provide full protection from the above risks. This type of policy is known as a BOP. However, it is not always necessary to purchase a BOP, because ProfessionalsCoverage will work with you to see if your business qualifies for cleaning coverage with just general liability coverage.
What Is Workers’ Compensation Insurance?
Workers’ comp is designed to reduce out-of-pocket expenses related to medical costs and lost wages of employees who become injured and ill during work. Companies that do not carry workers’ compensation coverage are at a high risk of a financial loss due to these mishaps.
Workers’ compensation can sometimes with bundled with cleaning insurance into a single policy. To determine if you are eligible for workers’ compensation coverage, please feel free to contact ProfessionalsCoverage today.
Commercial Auto Insurance For Cleaning Vehicles
Many cleaner businesses own and operate a fleet of work vehicles, which are driven by employees. If you operate a cleaning business with a fleet of work trucks, sedans, box trucks or vans in Ontario, you are required to obtain and carry commercial auto coverage.
ProfessionalsCoverage insures a broad range of makes and models that are utilized by commercial and residential cleaning companies. To learn more about the vehicles we cover, please feel free to call our local Ontario office.
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