It is important than any janitorial business make sure that they maintain proper cleaning business insurance. The janitorial business may not be as risky as perhaps running an oil rig, but although accidents happen relatively less often, they do happen, and a significant liability claim can put an otherwise healthy janitorial service out of business.
The owner of a janitorial business should start by making sure that their insurance provider is financially strong and stable. Find this out by checking their claims records and see if they have a strong history of paying their claims on time, without any nonsense. Consult with your insurance agent and make sure he understands the needs of a janitorial service. Once you have chosen an insurance, provider, do put all of your eggs in one basket and get all of your coverage from a single agent. This is the best way to make sure that all of your coverages work together.
Besides basic business insurance, make sure that you have all of the important components of a cleaning business insurance. Make sure that you have key replacement insurance and coverage for property in your care. Make sure to maintain theft of property coverage in case you accidently leave a door unlocked and a thief breaks in. If your business has its ups and downs, consider business income insurance, to make sure you can survive the slumps. These coverages will be the important parts of a strong insurance strategy.