Minnesota Building Cleaning And Maintenance Services Insurance Policy Information
Minnesota Building Cleaning And Maintenance Services Insurance. Building cleaning services clean the interior of premises for commercial clients, especially offices and retail shops. 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.
As a building cleaning and maintenance service company, you work with a variety of clients. From corporate offices to academic institutions, it's likely that clean and maintain several types of businesses. You also face a number of different risks, some of which are risks that businesses in all industries face; employees could sustain work-related injuries or your equipment could be stolen from a jobs site. Some of the risks that you face are unique to your specific line of work.
For example, if you're tasked with cleaning and maintaining delicate and expensive diagnostic imaging machinery, an employee could potentially break it; or, if you're polishing the hardwood flooring of a historic building, the solution you're using could damage it. These are just some of the incidents that could arise, and any of them could result in serious financial implications. This is why you should have Minnesota building cleaning and maintenance services insurance to protect your business.
Minnesota building cleaning and maintenance services insurance protects your janitorial company from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.
Do You Need MN Building Cleaning And Maintenance Services Insurance?
Of course, providing proper training and ensuring that you and your employees are following all protocols can help you avoid certain situations. However, regardless of how well-trained your staff is and how much you adhere to protocols, accidents do happen and emergencies can arise. When they do, you can be held liable. The cost associated with repairing or replacing damaged property and medical bills can be exorbitant. If a client or an employee ends up filing a lawsuit, you'll also have to deal with legal expenses. The bottom line: if something goes awry, you could be responsible for some hefty fees, the cost of which could potentially put you in financial ruin.
What's the best way to protect your business, your clients, your employees - and yourself - from liabilities and the associated financial responsibilities? Insurance. With the right type of Minnesota building cleaning and maintenance services insurance coverage, you won't have to cover the cost of damages and litigation out of your own pocket. Instead, your insurance carrier will handle these expenses for you. In other words, having insurance can save you from serious financial turmoil.
What Types Of Insurance Coverage Should Building Cleaning Services Carry?
Since there are so many risks associated with operating a Building Cleaning and Maintenance Services company, there are several types of coverage that you should carry. Some types of insurance coverage are compulsory, while others are elective:
- Commercial General Liability - This type of coverage is mandatory and protects you from third-party claims; for example, if a vendor slips and falls while making a delivery, commercial general liability insurance will cover the cost of any associated medical care. If the client files a lawsuit, it will also cover the cost of litigation.
- Workers' Compensation - Whether you employee a staff of 1 or 500, workers comp coverage is legally required in most states. Should an employee slip and fall while waxing a floor and suffers a compound fracture, it will cover any medical bills, as well as lost wages.
- Commercial property insurance - Another mandated form of coverage, commercial property insurance protects the physical property of your business, as well as anything within it; machinery, supplies, office equipment, etc. If the building and contents are damaged in a fire or vandalized, for example, commercial property insurance will assist with the cost of repairing or replacing anything that's damaged or lost.
- Inland Marine - Commercial property insurance only protects those items that are housed within the physical structure of your business' property. That means that any machinery - floor buffers, for example - that aren't on your property won't be covered by your policy when they're in transit or on a job site. For that, you'll need inland marine insurance. If that buffer is stolen, vandalized, or damaged because a fire breaks out in the building you're cleaning, this type of policy will cover the cost of repairing or replacing it.
- Commercial Auto - If you use any vehicles for work-related reasons, you'll also want to carry commercial auto insurance. If the driver of the vehicle is involved in an accident, commercial auto will go into effect.
Minnesota Building Cleaning & Maintenance Services Risks & Exposures
Premises liability exposures are slight at the building cleaner'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.
Cleaning 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 the 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 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 cleaner'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 customers' goods. 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 and monitoring are important to control losses.
Inland marine exposure includes accounts receivable if the building cleaner offers credit to customers, contractors' equipment for cleaning supplies and equipment, such as vacuum cleaners, taken to the customer's premises, and valuable papers and records for customers' and suppliers' information. Some cleaners 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 bailees' exposure for customers' property in the cleaner's care, custody and control. Damage to high-valued items like carpeting and draperies could result in a sizable loss since a small spill or other damage could result in the entire item being unusable.
Business auto 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 non-owned for workers running work-related errands. If workers transport coworkers in personal autos, the cleaning service should verify that personal automobile insurance has been purchased.
Minnesota Building Cleaning And Maintenance Services - The Bottom Line
To learn more about the different types of janitorial policies you should invest in and how much coverage you should carry, speak to a reputable insurance broker.
Minnesota Economic Data And Business Insurance Regulations
If you're an entrepreneur who is thinking about starting a business or expanding your company by opening a division in a new location, you know that there are a number of factors you have to consider. One of the most crucial elements business owners must take into consideration is the conditions of the location they are interested in; the area needs to offer conditions that are favorable for the business in order for the operation to thrive. A suitable target demographic and a healthy labor market are just some of the elements that indicate whether or not a business will thrive.
For business owners who have Minnesota in mind as their base, below, we've highlighted key details that suggest whether or not the Land of 10,000 Lakes offers favorable conditions for business owners. We also discuss the forms of commercial insurance that businesses are required to carry in the state.
Economic Trends For Business Owners in Minnesota
The unemployment rate of a state is a good indication of whether or not a state is suitable for business operations, as it provides insight into the labor market. According to the Bureau of Labor Statistics, as of May 2019, the rate of unemployment in The Gopher State was 3.3 percent, while the national average was 3.6 percent. While there has been a slight increase from 2018 (0.5 percent from June 2018 to May of 2019), the rate still indicates that the labor market in the state is favorable, which is a good sign for entrepreneurs.
Anywhere throughout the North State offers suitable conditions for businesses; however, there are some areas that are particularly ideal. These areas either large cities or areas that surround the state's largest cities, including:
- Eden Prairie
- Golden Valley
- Little Canada
- Mendota Heights
- St. Paul
- Thief River Falls
Certain industries do better than others in MN, and businesses that are centered on these industries have a greater chance of achieving success. The leading industries within the state include:
- Agriculture and forestry
- Hospitality and tourism
- Information technology
- Sustainable energy (specifically wind power)
Commercial Insurance Regulations For Businesses In Minnesota
The Minnesota Department of Commerce regulates insurance in Minnesota. Commercial insurance is designed to provide business owners and the individuals they associate with (employees, customers, and vendors) from a multitude of risks. To ensure proper protection for all, companies are required to carry the following commercial insurance policies in The North Star State:
- Workers' compensation insurance, which provides coverage for work-related injuries and illnesses that employees may sustain.
Business that use vehicles for business-related purposes over a certain weight, must also carry commercial auto insurance, and any company that sells or otherwise distributes alcohol must carry liquor liability coverage.
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
- Builders Risk
- Building Cleaning & Maintenance Services
- Cabinet Installer
- Cable And Satellite TV Installer
- Chimney Sweep
- 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
- Garage Door Installer And Repair
- Glass Contractor
- Glazier Insurance
- Gutter Installation And Repair
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- 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
- Swimming Pool Contractor
- Swimming Pool Service And Maintenance
- 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 Minnesota Building Cleaning And Maintenance Services insurance quote in Albert Lea, Alexandria, Andover, Anoka, Apple Valley, Arden Hills, Austin, Bemidji, Big Lake city, Blaine, Bloomington, Brainerd, Brooklyn Center, Brooklyn Park, Buffalo, Burnsville, Champlin, Chanhassen, Chaska, Cloquet, Columbia Heights, Coon Rapids, Cottage Grove, Crystal, Duluth, Eagan, East Bethel, Eden Prairie, Edina, Elk River, Fairmont, Faribault, Farmington, Fergus Falls, Forest Lake, Fridley, Golden Valley, Grand Rapids, Ham Lake, Hastings, Hermantown, Hibbing, Hopkins, Hugo, Hutchinson, Inver Grove Heights, Lakeville, Lino Lakes, Little Canada, Mankato, Maple Grove, Maplewood, Marshall, Mendota Heights, Minneapolis, Minnetonka, Monticello, Moorhead, Mound, Mounds View, New Brighton, New Hope, New Ulm, North Branch, North Mankato, North St. Paul, Northfield, Oakdale, Otsego, Owatonna, Plymouth, Prior Lake, Ramsey, Red Wing, Richfield, Robbinsdale, Rochester, Rogers, Rosemount, Roseville, Sartell, Sauk Rapids, Savage, Shakopee, Shoreview, South St. Paul, St. Cloud, St. Louis Park, St. Michael, St. Paul, St. Peter, Stillwater, Vadnais Heights, Waconia, West St. Paul, White Bear Lake, Willmar, Winona, Woodbury, Worthington and all other cities in MN - The North Star State.
Also learn about Minnesota small business insurance requirements for general liability, business property, commercial auto & workers compensation including MN business insurance costs. Call us (612) 808-9866.