If you own a residential or commercial cleaning service, you know it carries with it specific risks unique to any other industry. This is why it is so important to make sure you get insurance that is designed for this type of service. Otherwise, if you try to make a more generic policy work for you, you may end up paying extra for premiums just to make sure your highest risks are covered. Also, you may end up paying for other coverage you don’t even need. If you are looking for a commercial cleaning business insurance NJ policy, make sure it includes the coverage discussed in this article.
Any insurance policy for a cleaning service should include general liability, property and janitorial services bond. However, it’s important not to overlook other crucial parts of your business. Most cleaning services depend a lot on transportation. Therefore, it’s also important to make sure your policy includes commercial auto as well. Also, don’t forget about workers compensation and excess liability. Another important component of your business is your equipment. A good commercial cleaning business insurance NJ policy will be sure to include coverage for equipment breakdown, especially when it prevents you from finishing or starting a job. Make sure you work with a company who understands and knows the commercial cleaning business. That way you can be sure you get the protection you deserve.