Cleaning & Janitorial Services Insurance
Commercial Auto Insurance
for Cleaning & Janitorial Services
Cleaning crew vehicles transport equipment, supplies, and employees between client locations. Commercial auto is required for any vehicle used primarily for business and covers liability and physical damage for your cleaning fleet.
Industry-Specific Insight
Why Cleaning & Janitorial Services Businesses Need Commercial Auto Insurance
Cleaning crew vehicles transport equipment, supplies, and employees between client locations. Commercial auto is required for any vehicle used primarily for business and covers liability and physical damage for your cleaning fleet.
Coverage Details
What Commercial Auto Insurance Covers
Key protections included in a commercial auto policy for cleaning & janitorial services operations.
FAQs
Common Questions from Cleaning & Janitorial Services Businesses
Do we need commercial auto if our cleaners drive their own cars?
If employees regularly drive their own vehicles to client sites for work, you need hired and non-owned auto (HNOA) coverage to protect against accidents in personal vehicles during work hours.
Does commercial auto cover cleaning supplies in the van?
Supplies and equipment in the van are covered under inland marine or your BOP, not commercial auto. Commercial auto covers the vehicle and liability from accidents.
Can't I just use my personal auto policy for a work vehicle?
If a vehicle is primarily used for business, most personal auto policies will deny claims that arise from business use. Even vehicles that are also used personally should be covered under a commercial policy if they're regularly used for work. A licensed agent can help clarify where the line is.
What is hired and non-owned auto liability?
If your employees rent vehicles while traveling for work, or drive their personal cars for business errands, your business could be liable if an accident occurs. Hired and non-owned auto (HNOA) coverage fills that gap.
Complete Coverage
Other Coverages Cleaning & Janitorial Services Businesses Commonly Need
A complete protection plan for cleaning & janitorial services operations typically includes several complementary coverages.
Cleaning & Janitorial Services · Commercial Auto
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