Calgary House Cleaning Services Insurance

Whether you operate a professional house cleaning service, maid service, janitorial services, or type of cleaning business, you know that your clients are counting on you for cost-effective, timely, and highly detail-oriented services. Your clients are looking for professional cleaning services, whether for their home or business, and you want to deliver.

When you run a business that specializes in deep cleaning services or provides professional cleaners, that means that your cleaning professionals are often cleaning various types of properties. You might have contracts for office buildings, residential homes, retail centres, industrial buildings, educational facilities, government buildings, and even healthcare facilities. But no matter what kind of residential or commercial cleaning services your business offers, you know that you have responsibilities both to your clients and your employees.

At Krywolt Insurance, we're experts in the field of commercial insurance. We're dedicated to bringing you and your business the coverage solutions and options you need. If you're looking for a comprehensive cleaning business insurance policy, you've come to the right place.

Calgary House Cleaning Services Insurance: Who Needs It and Why

If you run a standard cleaning services company that deals with cleaning programs for clients' residences, you as a business owner know that you need a proper insurance policy for your Calgary house cleaning service. The following businesses should have a cleaning insurance package:

• Office cleaning companies
• Residential cleaning companies
• Apartment cleaning companies
• Dry cleaning companies
• Window cleaning companies
• Move in or out cleaning companies
• Laundry services
• Car cleaning businesses

Navigating the Field of Calgary House Cleaning Services Insurance: What Package Do You Need

When you operate a business that employs professional cleaners, you need to take the necessary steps to protect your business from a variety of risks that you and your employees are exposed to regularly. These situations might include an employee (or yourself) being accused of theft by a client or if furniture or equipment is damaged during a cleaning session.

Your Calgary house cleaning services insurance package should be providing you with coverage for the risks, including equipment breakdown, theft, property damage, or fire damage.

The following are the insurance coverage recommendations for a Calgary house cleaning service or janitorial business:

Commercial General Liability Insurance (CGL)

The most important Calgary house cleaning services insurance you need is what's known as commercial general liability insurance. This type of insurance can help with covering expenses associated with accidents—like third-party bodily injury or property damage caused by your cleaning services—and many other potential risks. Commercial general liability insurance pays for medical and legal expenses, along with the costs of replacing damaged property. Without it, you would be responsible for all those costs out of pocket.

Additionally, your CGL insurance policy offers you protection from libel, slander, false advertising allegations, and copyright infringement.

Now, you might be asking: how much CGL coverage do I need for my business?

When it comes to choosing coverage, it's important to weigh and assess what risks your cleaning business might encounter. The majority of CGL policies begin coverage at $1 million, but that might not be enough for your business.

At Krywolt Insurance, we recommend that you have, at minimum, $2 million in CGL coverage, although certain businesses might require more coverage (up to $5 million in coverage), depending on the size of the business and the work that they do.

Several types of coverage fall under the umbrella of CGL coverage. These include:

• Surety Bond: Surety bonds are a type of business insurance that pays your client if you fail to complete the agreed-upon job. If, for any reason, your business fails to finish the agreed-upon job, a client may receive financial compensation from your insurer. It's important to know that you might need to have a surety bond in place before you can accept a contract.
• Fidelity Bond: Fidelity bonds protect your clients if either your business or an employee steals money or property from a client. Often, as a cleaning business, you will be asked if your business is bonded. A fidelity bond is what they are asking about.
• Commercial Property Insurance: Commercial property insurance is vital to a Calgary house cleaning services insurance policy. It offers financial coverage should there be a fire, for example, that damages or destroys your business' property and contents. As well, it offers protection for damage or loss related to severe weather phenomena, theft, and vandalism.
• Equipment Breakdown Insurance: What this provides is coverage of property damage caused by sudden and/or accidental breakdowns of insured equipment that isn't covered by a standard commercial property insurance policy. For this, you need a list of relevant equipment and their value.
• Business Interruption Insurance: With business interruption insurance, having it can mean the difference between recovering from a loss and having to close the doors for good. It offers you support when your business isn't able to operate, due to a covered loss. The losses can include equipment damaged by fire or vandalism; a reduction in revenue due to a client or supplier facing their losses; or a disruption in your business's supply chain.
• Tools and Equipment Insurance: Covering the costs of having to replace or repair lost, stolen, or damaged equipment that your business regularly uses, this policy is a must for a cleaning business. It's important to note that anything with a value of less than $1,500 is considered to be a tool, while anything above that is considered equipment.
• Professional Liability Insurance: This provides coverage against claims that might be due to negligence, errors, or the failure to deliver a service. If, for example, a client wasn't satisfied with services rendered, then your business can be held liable.
• Pollution Liability Insurance: What this covers is the damages to a client's property or their health, which could be caused by a possibly toxic substance you used during their service, such as a chemical cleaner.
• Cyber Insurance: Given that you're operating a business, it goes without saying that you likely store client data and any transactions that have to do with your clients. If your system is hacked, then this insurance can cover expenses related to the hack, including clients whose information was stolen and notification expenses to alert clients of the breach.
• Commercial Auto Insurance: If your employees have access to a business vehicle, then it's not going to be covered by a personal car insurance package. Rather, you will need commercial coverage as part of your Calgary house cleaning services insurance package.

If you have any questions regarding a Calgary house cleaning services insurance package for your cleaning or janitorial business, please reach out to the professionals at Krywolt Insurance today. We would be more than happy to answer any questions you might have, as well as make arrangements for an insurance quote.