Janitorial Service Provider Insurance in Michigan

If you run a janitorial service business in Michigan, you need to protect yourself and your employees from the risks that come with your work. Cleaning insurance can help you cover the costs of property damage, bodily injury, employee illness, and more that could result from accidents or lawsuits.



Cleaning insurance is not a single policy, but a combination of different coverages that suit your specific needs. Some of the common coverages for janitorial service providers include general liability, workers' compensation, and fidelity bonds. Depending on your business size, location, and services, you may also need other types of insurance, such as commercial auto or business owner's policy.

At Oakland Insurance, we offer the best insurance coverage for janitorial service providers in Michigan. Our experienced team has access to multiple markets and can customize a policy specifically tailored to your business needs at an affordable rate. We understand the risks associated with your industry and have years of experience helping you protect against damage or loss.



Fill out our online form to get started or call us today for a free, no-obligation janitorial service insurance quote. Our team is here to help you assess your risks and provide the best coverage for your business. Contact us today!

Anyone who provides janitorial services within Michigan should consider purchasing insurance. This includes:

• Commercial cleaners
• Janitorial contractors
• Facility maintenance companies
• Carpet cleaning businesses
• Office cleaning companies
• Power washing services
• Window cleaning operations
• Pressure washing businesses
• Floor cleaning services
• Upholstery cleaners
• Building maintenance companies
• HVAC maintenance providers
• Housekeeping services
• Maid services
• Janitorial supply businesses.

Other cleaning service providers that may need cleaning insurance include fire and water restoration companies, post-construction cleaning services, and pest control businesses.

General liability insurance covers common risks faced by janitorial service providers in Michigan, such as customer injuries, customer property damage, and advertising injuries. It can help pay for medical bills, legal fees, and settlements if a third party sues your business for these reasons.

For example, if a client slips and falls on a wet floor that you just cleaned, or if you accidentally break a valuable vase while dusting, general liability insurance can cover the costs of the claim. Similarly, if you are accused of copying another cleaning company's logo or slogan, general liability insurance can protect you from a lawsuit.

General liability insurance is often required by commercial leases and contracts in Michigan. It can also help you build trust and credibility with your potential and existing clients. However, general liability insurance does not cover everything. You may need to add endorsements or buy other policies to fully protect your janitorial business.

Commercial auto insurance provides protection against liability in the event of an accident involving your company vehicles. This coverage ensures that if one of your employees causes an accident while driving a company vehicle, your business will not be held financially responsible for damages or injuries sustained by third parties. Michigan state law requires all businesses with company-owned vehicles to carry a minimum amount of liability insurance, making it a legal necessity for your janitorial service.

Secondly, commercial auto insurance can cover physical damage to your company vehicles. This includes coverage for collision, theft, vandalism, and other damages that may occur while your vehicles are being used for business purposes. As janitorial service providers often transport expensive equipment and supplies, having proper coverage for your vehicles can save you significant financial losses in the event of an accident or theft.

Lastly, commercial auto insurance can offer additional benefits tailored to the specific needs of your janitorial service. For example, some policies may include coverage for tools and equipment stored in your vehicles, as well as rental reimbursement if your company vehicle is temporarily out of commission. By customizing your policy to fit the unique requirements of your business, you can ensure that you are fully protected against unforeseen circumstances.

A Business Owner's Policy (BOP) is a comprehensive insurance package designed to provide essential coverage for small and medium-sized businesses. For janitorial service providers in Michigan, a BOP can offer significant benefits by combining multiple types of insurance into one convenient policy. In this article, we will discuss the key components of a BOP and how they can benefit Michigan janitorial service providers.

The primary coverage included in a BOP is general liability insurance, which protects your business from third-party claims of bodily injury, property damage, and personal or advertising injury. Additionally, a BOP often includes property insurance, which covers your business's physical assets, such as office equipment, tools, and supplies, in case of damage due to events like fire, theft, or vandalism.

Another advantage of a Business Owner's Policy for Michigan janitorial service providers is the ability to customize the policy to meet your specific needs. You can add optional coverages, such as commercial auto insurance, workers' compensation, or professional liability insurance, depending on the unique risks faced by your business. This flexibility allows you to create a tailored insurance plan that provides comprehensive protection against various threats and liabilities.

Your janitorial services business must carry Workers' Compensation insurance if you have employees. This coverage is designed to protect both employers and employees in the event of a workplace injury or illness. It pays for medical expenses, lost wages, and death benefits for injured workers, as well as legal expenses should the employee file a claim against you.

This insurance is essential for Michigan janitorial service providers because of the risk of injury and illness due to the physical nature of the work. Even if you have only a few employees, it's important to carry this coverage to protect your business from potential legal liability.

Lack of coverage can result in hefty fines and other penalties, so be sure to get the right policy in place for your business.

If you own a commercial building or office space used to conduct janitorial services, then you'll need to have Commercial Property insurance. This coverage protects your property against damage from events like fire, storms, theft, and vandalism.

It will cover the cost of repairs if your building or any business equipment is damaged due to an insured event. It also covers lost income while the property is being repaired or replaced. This coverage is essential for janitorial service providers who own their buildings and equipment, as it provides protection from potentially significant financial losses in case of an unexpected event.

Michigan Janitorial contract bonds are a specific type of fidelity bond designed to safeguard clients from potential theft committed by employees of cleaning services. While these bonds are not mandatory, they can significantly enhance the trust and credibility of a cleaning business in the eyes of its customers. A Michigan Janitorial Bond provides coverage for losses resulting from employee dishonesty, including the theft of money, securities, or other valuable property from a client's home or office premises.

The bond amount for a Michigan Janitorial Bond is determined by various factors, such as the number of employees working for the cleaning service and the desired level of coverage. One of the key advantages of obtaining a Michigan Janitorial Bond is the ease and speed at which it can be issued. Once an application has been submitted and approved, the bond can be instantly issued and printed online. This streamlined process allows cleaning service providers to quickly demonstrate their commitment to client protection and ethical business practices.