Janitorial Cleaning Services Insurance Connecticut Policy Information
Janitorial Cleaning Services Insurance Connecticut. As a commercial cleaning professional, you provide an invaluable service to the companies and business owners that you service. However, while your services are certainly beneficial, there are definite risks that you are exposed to.
Janitorial services clean the interior of premises for commercial, industrial, and institutional clients. Some provide exclusive services to one client only, while others have a number of regular clients or offer services to the public on an "as needed" basis.
Typical services include the removal of trash from all areas of the premises, cleaning restrooms, dusting, and regular vacuuming, mopping or sweeping of floors. Other services may include cleaning carpets, draperies, or eating areas, polishing floors, and window washing. Some provide cleaning services for properties up for sale or after criminal activity.
By carrying the right janitorial cleaning services insurance Connecticut, you can safeguard your commercial janitorial or cleaning service. Why is insurance important? What type of insurance coverage should you carry? Read on to learn how to keep your business protected.
Janitorial cleaning services insurance Connecticut protects your business from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.
Why Do You Need Janitorial Cleaning Insurance?
You are in the business of cleaning CT commercial properties. You might not think that there are risks associated with vacuuming, mopping, dusting, and the other types of cleaning services you provide; however, there are several situations that could arise and have potentially devastating consequences. For example, a third party could trip and fall over an electrical wire you are using to operate a floor buffer, property could be accidentally damaged, or one of your crew members could become injured while performing a work-related task.
The costs associated with repairing damaged property, medical bills, and/or any legal claims that may be filed against your business could be financially devastating. Janitorial cleaning services insurance Connecticut coverage can help to off-set these costs and prevent you from having to pay for such damages out of your own pocket.
What Type Of Janitorial Insurance Should You Carry?
There are several janitorial cleaning services insurance Connecticut policies that commercial cleaning companies should carry. Some of these policies are legally required, while some are not; however, even if you are not obligated to carry a specific policy, it may still be in your best interest to carry it.
- Commercial General Liability: This type of janitorial cleaning services insurance Connecticut is a requirement for all business owners to carry, including those who own and operate commercial cleaning services. Commercial general liability insurance can help to cover the cost of third party injuries and property damages, as well as legal claims that may be filed against you. For instance, if a client's property is damaged while you are performing a service, this policy will help to cover the cost of repairing or replacing the property. Should the client file a lawsuit against you, it will assist with legal fees.
- Commercial Property: This type of insurance will protect the physical property of your business, including the CT building you operate your business out of (whether you own or rent it), as well as the contents within the property. For example, if a tree branch falls during a storm and damages your building, this insurance policy will help to pay for the repairs, or if cleaning equipment is stolen from your property, this policy will assist with replacing it.
- Commercial Auto: If the business owns the vehciles you need business auto insurance. Should you or an employee be involved in a motor vehicle collision while traveling to a job site, commercial auto insurance will help pay for damages to the vehicle, medical bills, and property within the vehicle that may be damaged.
- Workers Compensation: If you employ a team of CT professionals for your commercial janitorial company, workers' compensation insurance is a must. In fact, depending on where your business is located, you will be legally required to carry it. In some locations, it is not a requirement, but it is still a worthwhile investment. If an employee is injured while performing a work-related task, workers' comp insurance will help to cover the cost of medical bills, lost wages, and rehabilitation that the employee may need.
Connecticut Cleaning And Janitorial Services's Risks & Exposures
Premises liability exposure is slight at the janitorial service's premises due to lack of public access to the premises, but moderate away from the premises due to hazards at the job site. When cleaning building interiors, there is some potential for slip and fall injuries to the client's employees or customers due to wet, slippery floors, spills and equipment and supplies impeding access. The absence of basic controls (e.g., scheduling to minimize any work done while the premises are open for business, proper caution signs, the use of non-slip finishes, etc.) may indicate a morale hazard. There is also the risk of injury or damage to customers' property from spills, marring, scratched surfaces, and the upset or dropping of breakables.
Many of these fall under the care, custody and control exclusion, and should be covered under inland marine bailees' forms. All agreements regarding responsibility for the property in the insured's care need careful review and evaluation. Janitorial services typically employ casual labor and have high turnover, with minimal time or budget for training, which can increase the loss potential. Pre employment background checks and reference checks should be a part of the hiring process in order to protect clients. A major concern is failure to secure the premises during cleaning and especially upon completion of the work. This hazard increases with high employee turnover.
The cleaning service should have specific procedures addressing lockup and key control that include a final checklist by the supervisor of a particular client when the job is completed. Some areas of customers' premises may need to remain closed because they contain property susceptible to damage or contamination, dangerous materials, or confidential information.
Personal Injury exposures include invasion of privacy and even assault to the customers' employees. Failure to run background checks and review references on employees increases the hazard and reduces available defenses.
Workers compensation exposure can be high. Casual labor, high turnover and minimal training time are all factors affecting losses. Work is also frequently performed under time constraints, which can encourage workers to cut corners. Lung, eye, or skin irritations and reactions can result from cleaning chemicals. Slips and falls can occur during cleaning operations. Back injuries, hernias, sprains and strains can result from lifting. Employees can be assaulted while working "off hours" in empty buildings. Close supervision is needed. Workers may be injured in auto accidents during transportation to and from job sites.
Property exposures at the janitorial service's premises are usually limited to an office and storage of equipment, supplies, and vehicles. Cleaning supplies may contain flammable chemicals that require proper labeling, separation, and storage in approved containers and cabinets to reduce the potential for fire. There may be a garage area for vehicles transporting equipment and crew to job sites.
Crime exposure is from employee dishonesty, including theft of clients' property. Background checks, including criminal history, should be performed on all employees handling money. All ordering, billing and disbursement should be handled as separate duties with reconciliations occurring regularly. Supervision, monitoring and regular crew changes are all used to minimize the exposure.
Inland marine exposure includes accounts receivable if the janitorial service offers credit to customers, and valuable papers and records for customers' and suppliers' information. Contractors' equipment is limited to janitorial supplies and equipment, such as vacuum cleaners taken to the customer's premises. Some contractors may store some of their equipment on the customer's premises; others do their work with equipment provided by the client.
There may be a bailee's exposure for customers' property in the janitorial service's care, custody and control. Damage to high-valued items like carpeting and draperies could result in a sizable loss because a small spill or other damage could result in the entire item being unusable.
Automobile exposures are generally limited to driving to and from clients' premises with crew, equipment, and supplies. All drivers must be well trained and have valid licenses for the type of vehicle being driven. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be well maintained with records kept in a central location. If employees provide their own transportation to worksites, the exposure is limited to nonowned for work-related errands. If workers transport coworkers in personal autos, the cleaning service should verify that personal automobile insurance has been purchased.
Commercial Cleaning Insurance
If you operate a commercial cleaning company, carrying the right type of insurance will help to safeguard your business from a number of risks. It could ultimately prevent you from suffering severe financial losses that could potentially damage your business. To find out what type of CT commercial insurance you should carry - and how much coverage you should have - speak to a reputable insurance broekr that specializes in polices for commercial cleaning companies.
Connecticut Economic Data, Regulations And Limits On Commercial Insurance
Entrepreneurs who are thinking about starting a business knows how crucial it is to choose the best location for their business. Selecting an area that offers a healthy workforce and the right demographics for your target market is key to the success of your business.
If you are considering the state of Connecticut for the headquarters of your corporation or a new division of your existing company, it's vital to ensure that state provides a climate that will enable success.
By assessing the unemployment rate as well as the key industries that are booming in the state, you will be able to determine if Connecticut is the right place for your operation.
Additionally, being aware of the types of business insurance that you are required to carry is also important for your success. Below, we offer an overview of these areas to help you decide if the Constitution State is the right place for you to establish your business.
Economic Trends For Business Owners In Connecticut
The unemployment rate of a state is a good indicator of the economic growth of a state, as it indicates that business is growing and there are enough jobs available to support the state. As per the Bureau of Labor Statistics, as of 2022, the unemployment rate in Connecticut was 3.7%, which is 0.3% higher than the national unemployment rate.
However, in one year, the rate has dropped by 0.1%, as it was 3.8% in December of 2018, and in a two year period, it dropped 0.9%, as it was 4.6 in December of 2017. Economists have indicated that job market is expected to increase in coming years, as it is predicted that the economy will continue to grow.
There are numerous areas in Connecticut that are beneficial for business owners. Key areas include major cities and the suburbs that surround them, including:
- West Hartford
These areas offer a well-educated workforce, the highest number of both established and newly opened businesses, the lowest unemployment rate, and the healthiest median household income.
While several industries are thriving in the CT, the sectors that are seeing the most success include:
- Advanced, large-scale manufacturing
- Bioscience and healthcare
- Digital media
- Green technology
- Insurance and financial services
- Tourism and entertainment
Commercial Insurance Requirements In Connecticut
The Connecticut Insurance Department regulates insurance in CT. Connecticut mandates very few forms of insurance coverage by law. They enforce worker's compensation.
Connecticut requires you to have worker's compensation insurance if you hire even one employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees who work fewer than 26 hours per week, though you should check to make sure any contractors you have are true contractors, and not employees.
Connecticut also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.
Additional Resources For Contractors & Home Improvement Insurance
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
- Air Conditioning Systems Installation Repair
- Appliance Repair & Service
- Blacksmith & Metal Workers
- Boat Repair & Dry Docks
- Boiler Contractors
- Builders Risk
- Building Cleaning & Maintenance Services
- Cabinet Installer
- Cable And Satellite TV Installer
- Chimney Sweep
- Cistern Contractors
- Contractor Liability
- Curtain Cleaners
- Deck Builders
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Furniture Repair
- Garage Door Installer And Repair
- General Contractors
- Glass Contractor
- Glazier Insurance
- Gutter Installation And Repair
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- Oil And Gas Well Drilling Contractors
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation & Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Surety Bonds
- Swimming Pool Contractor
- Swimming Pool Service And Maintenance
- Tool Grinding And Repair
- Tree Surgeon
- Tree Trimming
- Tank Cleaners
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
A contractor that wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.
Physical damage coverage for tools, supplies and equipment, both on and off the contractor's premises, is a concern. Liability exposures at the premises of the contractor, and at the premises of the contractor's customer, must be properly addressed along with completed operations. Business insurance is very important as is workers compensation insurance protection for employees.
Contractors may work under a general contractor as a subcontractor in larger construction projects - like a new commercial site or residential subdivision. They can work on smaller projects directly with a home owner, usually specializing in renovations or remodels.
In business insurance speak, often called 'artisan contractors' or 'casual contractors', they are involved in many aspects of construction and contracting work – and include various trades and skills. Carpenters, painters, plumbers, electricians, roofers, tree trimmers, landscaping are just a few examples. They may do roofing, fencing, drywall, tile work and many other trades that involve skilled work with tools at the customer's premises.
An artisan contractor performs a single trade or job, and each has its own specialized liability needs with its own exposures to risk and accidents. Contractors liability insurance can offer coverage for bodily injury, property damage, advertising injury and medical payments.
Most artisan contractors should have commercial general liability at the very least, but many need broader coverages - like an umbrella to increase their limits of liability, inland marine policy to protect their tools, workers compensation if they have employees, and even commercial auto if they use vehicles for business purposes.
Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability.
Request a free Janitorial Cleaning Services Insurance Connecticut quote in Ansonia, Avon, Berlin, Bethel, Bloomfield, Branford, Bridgeport, Bristol, Brookfield, Burlington, Canton, Cheshire, Clinton, Colchester, Coventry, Cromwell, Danbury, Darien, Derby, East Hampton, East Hartford, East Haven, East Lyme, Ellington, Enfield, Fairfield, Farmington, Glastonbury, Granby and East Windsor, Greenwich, Griswold, Groton, Guilford, Hamden, Hartford, Killingly, Ledyard, Madison, Manchester, Mansfield, Meriden, Middletown, Milford, Milford city, Monroe, Montville, Naugatuck, New Britain, New Canaan, New Fairfield, New Haven, New London, New Milford, Newington, Newtown, North Branford, North Haven, Norwalk, Norwich, Old Saybrook, Orange, Oxford, Plainfield, Plainville, Plymouth, Prospect, Ridgefield, Rocky Hill, Seymour, Shelton, Simsbury, Somers, South Windsor, Southbury, Southington, Stafford, Stamford, Stonington, Stratford, Suffield, Tolland, Torrington, Trumbull, Vernon, Wallingford, Waterbury, Waterford, Watertown, West Hartford, West Haven, Weston, Westport, Wethersfield, Wilton, Winchester, Windham, Windsor, Windsor Locks, Wolcott, Woodbury and all other CT cities & Connecticut counties near me in The Constitution State.
Also find CT local small businesses by General Liability Class Code and learn about Connecticut small business insurance requirements for general liability, business property, commercial auto & workers compensation including CT business insurance costs. Call us (860) 900-0799.