Janitorial Cleaning Services Insurance Kentucky. 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 Kentucky, 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 Kentucky protects your business from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.
You are in the business of cleaning KY 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 Kentucky coverage can help to off-set these costs and prevent you from having to pay for such damages out of your own pocket.
There are several janitorial cleaning services insurance Kentucky 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.
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.
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 KY 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.
In order for a business to succeed, it's important to have a firm understanding about the economic status of the state that the organization is going to be established in . It is also important for business owners to know what type of commercial insurance they are required to carry in KY.
If you are thinking about opening or moving a business in Kentucky, keep on reading to find out some key information about the economic status of the state, as well as the KY commercial insurance requirements.
As per recent reports from leading economists, the economic outlook for Kentucky is looking bright. More jobs have been added in recent years, which is evidenced by the declining unemployment rate, and it is expected that more jobs will be added in the year 2019.
The goods and services industries are the two areas that are really expected to add significant gains to the economy of Kentucky. Industries in this sector are flourishing, with new companies being added during the 2019 calendar year. It is also expected that more jobs will be created in this sector in the upcoming years.
While technology is taking over the manufacturing sector in many other parts of the nation, in Kentucky, this industry is growing; but, it is growing at a slower rate than usual, as technology is also having an impact in KY. It is also predicted that the healthcare firms will continue to be added in Kentucky and will provide ample opportunities for employment, creating more jobs than manufacturing.
There three key areas in the Kentucky that are contributing the most to the economy, and these include Lexington, Northern Kentucky, and Louisville.
The Kentucky Department of Insurance regulates insurance in KY. Like most other states, business owners are required to carry workers comp insurance in Kentucky. In the Commonwealth, if you employ a staff of hourly or salaried employees, you must carry this type of coverage, even if your staff only consists of one person.
Commercial auto insurance is also mandate in Kentucky, so if you use a vehicle for business-related reasons, you must have this type of coverage.
You are not required to carry commercial liability insurance; however, it is a wise idea to invest in a policy. It will protect you from any legal issues that might arise, such as slips and falls or property damages.
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.
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.
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Also learn about Kentucky small business insurance requirements for general liability, business property, commercial auto & workers compensation including KY business insurance costs. Call us (859) 412-4141 .