Commercial Cleaning Insurance

General liability insurance covers claims of third-party bodily injury and property damage that may arise from your commercial cleaning work, as well as personal and advertising injury claims, such as libel, slander, or copyright infringement.

If a customer, visitor, or other third party is injured, or if you accidentally damage someone else’s property while cleaning, general liability insurance can help pay for medical expenses, repair costs, legal fees, and other covered damages.

Examples include:

• A visitor or client slips on a recently mopped floor and suffers an injury, resulting in medical expenses and a claim against your business.
• While cleaning a property, you accidentally knock over and damage an expensive computer monitor, printer, or other piece of equipment belonging to the client.
• You accidentally drop heavy equipment on a client’s specialty tile floor, cracking the tiles.
• You use a photo in your marketing materials that another company claims infringes on its copyright, leading to an advertising injury claim and legal dispute.

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You can add optional business personal property (BPP) coverage to your Berxi general liability policy to help repair or replace equipment and other business property if it’s damaged. This can include items such as vacuums, floor buffers, carpet cleaners, cleaning equipment, computers, office furniture, and other tools you rely on to run your business.

Examples include:

• A vacuum, floor buffer, or carpet cleaning machine is damaged while being transported between job sites and needs to be repaired or replaced.
• A burst pipe at your office, storage facility, or workspace damages cleaning equipment, supplies, computers, and other business property.
• A laptop used to manage schedules, invoices, customer records, and business operations is accidentally damaged and needs to be replaced.

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Workers’ Compensation Insurance

If you have employees, workers’ compensation insurance can help cover medical expenses and lost wages if they’re injured or become ill as a result of their work. In most states, this coverage is required by law once you hire employees. You can add workers’ comp from one of our trusted partners to your Berxi insurance policy.

Commercial Auto Insurance

If you use a vehicle for business purposes, commercial auto insurance can help cover costs related to accidents, vehicle damage, and certain liability claims. This coverage is especially important if you transport employees, cleaning supplies, and equipment between job sites.

Professional Liability Insurance

Professional liability insurance helps protect your commercial cleaning business if a client claims your services caused them a financial loss. For example, it may help cover legal defense costs if you’re accused of failing to perform services as promised.

Janitorial Bonds

A janitorial bond (also known as a cleaning service bond) is a type of fidelity bond. It protects customers from losses incurred as a result of theft by cleaning service employees. Some clients require commercial cleaning businesses to have janitorial bonds before awarding contracts, making it a valuable way to build trust and credibility.