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Florida Janitorial Insurance quote and information.

  1. How do insurance companies define Janitorial?
  2. What risk exposure do Janitorial Contractors have?
  3. What is the price of Janitorial insurance?
  4. Is insurance for Janitorial required in Florida?
  5. What coverages are common to Janitorial businesses?
  6. Can you provide insurance anywhere in the state?

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How do insurance companies define Janitorial?

Janitorial service operations provide basic cleaning services of the interior of the premises for commercial and industrial clients. Some operations provide exclusive services for 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 each area of the premises, the cleaning of restrooms, dusting, and regular vacuuming, mopping or sweeping of the floors. Other services may include scheduled carpet cleaning, floor polishing, cleaning of drapery, and windows.

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What risk exposure do Janitorial Contractors have?

Property Exposures
At the operation’s home base usually consist of an office with equipment and supply storage. Fire concerns may exist from the cleaning chemicals and supplies. Should any of the chemicals and cleaners be flammable, proper labeling, separation, and storage is needed in approved containers and cabinets. There may also be storage of vehicles for transporting equipment and crew to the job.

Crime Exposures
Comes mainly from theft by employees of clients’ property. Background checks, supervision, monitoring and regular crew changes are all used to minimize the exposure.

Inland Marine Exposures
May be minimal except for the cleaning equipment itself. Cleaning supplies and equipment, such as vacuum cleaners, are typically brought to the customer’s premises, used, and brought back with the crew. Some contractors, however, may store some owned equipment on the customer’s premises. Others do their work with equipment provided by the client.

Cleaning services frequently have a bailees’ exposure for customers’ property in their care, custody and control. This is particularly important in assessing the hazard on large-valued items like carpeting and draperies since a small spill or other damage could reduce the value of the whole item.

Premises Liability Exposures
Can be a concern while in the process of cleaning. Spills, marring, and scratched surfaces are common, as are the upset or dropping of breakables. Many of these fall under the care, custody and control exclusion, and represent the bailees’ exposure discussed under inland marine.

Wet, slippery floors can pose a slip and fall hazard to the client’s employees or customers and passersby. 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.

A major concern is failure to secure the premises during cleaning and especially upon completion of the work. The hazard increases when there is high turnover and lack of proper training and procedures such as lockup procedures, key control and a required checklist when a job is completed. Some areas of customer’s premises may need to remain closed because they contain either property susceptible to damage or contamination, or dangerous materials, or confidential information.

Another common concern is personal injury, especially invasion of privacy and even assault to the customer’s employees. Failure of the cleaning service to run background checks and review references on employees both increases the hazard and reduces available defenses.

Automobile Exposures
May be fairly low, involving only non-owned exposures, or there could be owned vehicles with transport of equipment, supplies, and crew. If employees find their own way to the work site, the non-owned exposure is minimal. If, however, they run work-related errands in personal autos, or even transport co-workers in them, the exposure can be serious. Finally, the hazard may increase when owned autos are used to transport the crew. Proper safeguards should be in place in respect to the number of persons carried and the qualifications of the driver. The absence of proper licensing and training, or (in the case of non-owned autos) valid personal insurance is of great concern.

Workers Compensation
Exposure can be high. Casual labor, high turnover and minimal training time are all factors affecting losses; work is also frequently performed under time constraints. Workers can experience lung, eye, or skin irritations and reactions to the cleaning chemicals. Slip and fall can occur during cleaning. Lifting, back injury, hernia, and sprain and strain are all common occurrences. Employees can also suffer assault because of working at “off hours” in empty buildings. A lack of close supervision to keep employees safe represents in itself a significant hazard.

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What is the price of Janitorial insurance?

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Is insurance for Janitors required in Florida?

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post the answer in one business day.

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What other insurance should a Janitors consider?

Business Personal Property, Accounts Receivable, Valuable Papers, Contractors’ Equipment, Employee Dishonesty, General Liability, Employee Benefits Liability, Umbrella Liability, Commercial Auto, Workers Compensation

Can you provide insurance across the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.

  • Jacksonville
  • Miami
  • Tampa
  • St. Petersburg
  • Orlando
  • Hialeah
  • Tallahassee
  • Fort Lauderdale
  • Port St. Lucie
  • Pembroke Pines
  • Cape Coral
  • Hollywood
  • Gainesville
  • Miramar
  • Coral Springs
  • Clearwater
  • Miami Gardens
  • Palm Bay
  • West Palm Beach
  • Pompano Beach