Commercial janitorial businesses face operational challenges that are unique unto themselves. It is critical that those janitorial companies’ insurance agents keep abreast of the viable markets within that field. We have that capability through our relationships with our insurers who are competitive in commercial janitorial businesses.
Business Insurance is not simple – if you do it right!
Insurance for Janitors
Are there issues I need to deal with concerning Certificates of Insurance? Am I required to name my clients as additional insured?
Am I required to endorse my policies with a waiver of subrogation? Endorse my general liability policy with an aggregate per project or to be primary & non-contributory?
What about Subcontractors exclusion, Contractual Liability Coverage alternatives, Subcontractors insurance requirements warranty, or Pollution Exclusion alternatives?
What are Umbrella and Excess Liability, Contractors Professional Liability, Construction Management Liability? What do I need to know about them?
What are the consequences to my business if an employee of my subcontractor is injured on one of my projects?
Is our General Liability coverage limited to activities on our Premises?
Are all entities that we do business under listed as named insured on our General Liability policy?
How do we verify that subcontractors have proper Liability insurance coverage?
What is an Installation Floater and why would I need one? Do we have equipment that is subject to perils in a variety of locations?
Would my property insurance cover materials once they are removed from my property? While an installation is in-process are the materials I have installed covered?
As the values of my materials on the job changes, does my coverage reflect those differences?
If we are storing materials, equipment, machinery, and supplies on the jobsite, are they covered?
What is Inland Marine Insurance and why would I need it? Would my property insurance cover tools and equipment that are not physically on my property?
What are the limitations on any coverage I may have for equipment and tools?
If we rent equipment for use on a job site, is it covered? If so, what are the limits?
Are there parts of our operation that could be exposed to a Pollution liability claim? Would a general liability policy cover Pollution or do most such policies exclude Pollution coverage?
How could we be obligated to pay for bodily injury, property damage, or cleanup due to a Pollution event?
Can we just assume that the Pollution exclusions used in general liability policies by different insurance companies are fairly uniform?
What about vehicles we own & operate? Do they create Pollution liability exposure?
Are all autos titled under the name of the business? What are the limits of liability we purchased under the current business auto policy?
Do we ever pull trailers? Do we sometimes rent autos for business?
Do we have equipment attached or wrap painted on any units? Are we carrying tools or goods?
Are our employees running errands for our business with their own automobiles? If so, do we have Non-Owned Auto Liability coverage?
Do we run Motor Vehicle Reports on employees using their own autos for business?
Do we know if these employees have automobile Liability Coverage? If so, do we know how much?
Are we comfortable with our current Hired Non-Owned Auto liability limit? Should you buy the damage waiver offered by the Rental Company?
Should you use the coverage offered by your Credit Card Company? Should you purchase hired physical damage coverage from your Insurance Provider?
If we are renting a car out of state, will our current Texas Workers Comp cover our employees in those cars? What about business or personal property left in a rental car?
What is an Umbrella or Excess Liability policy and why do we need it? Do we sign contracts that require us to carry higher liability limits than we currently carry?
Do we have operations that, by their nature, have an amount of risk that could generate a larger loss than our current liability insurance would cover?
Do our clients, or prospective clients, expect operations such as ours to have higher liability insurance limits than we currently have?
Do we need our Umbrella or excess Liability policy to extend to territory outside of the U.S.?
If we have an Umbrella or Excess Liability policy, will its coverage extend to Additional Insured, Waiver of Subrogation of our primary liability policy?
Is our Umbrellas or Excess Liability policy 'pay on behalf of' or 'reimbursement' basis? Does the policy term run concurrent with our primary Liability policy?
Why do I need a bond? Why am I required to bond? What are the different types of bonds that I might need? What types of jobs would require us to become bonded?
What is a bid bond, performance bond, or payment bond? Do I need any or all of these?
Do I have what I need to get bonded? Balance sheet, income statement, Statement of Cash Flows, or job schedules?
If I'm already bonded, can my surety company bond jobs outside of Texas? Do some surety companies pay dividends?
Why can't I get the bond I need? How large a bond can I qualify for? How can I increase my bonding limits?
Do I pay people to work for my business that I consider to be an employee or an independent contractor? If so...
Have I arranged Workers' Compensation Insurance to protect me from being legally responsible for damages suffered by either an injured employee or independent contractor?
Do I have the necessary extension to my Workers' Compensation policy to cover myself, officers, and partners if we are injured on the job?
Have I avoided buying Workers' Compensation insurance to save money? If so, have I compared those savings to the potential costs of not having coverage?
What about working outside the state of Texas? With our current Texas coverage can we work in other states? Is it legal? Could we be fined?
Do different states' rates mean we have to price differently outside Texas?
What if we are working on or near the water, or in a shipyard on land? When do I need Longshore Insurance?
Can employers or key officers be held criminally responsible for failing to have the required longshore insurance?
What are the hidden costs if subcontractors do not have Workers' comp? Should owners and officers be covered by Workers' comp?
What is an Insurance Premium Audit? When would an Audit be performed? Who will conduct the audit? Do I need to be available to meet with the Auditor?
How will an Audit be conducted? Will someone visit in person? Might it be done over the phone? Will I need to provide a report?
What types of information will I need to provide? General information? Payroll information? Tax information? Sales information?
What do I need to do to prepare for my Audit? How should I organize my Payroll records? By policy period? By classification code? By overtime and regular?
What is included in Gross Payroll for Audit purposes? Should I request Certificates of Insurance from all my Subcontractors?