Cleaning & Janitorial Services Insurance
Commercial Property Insurance
for Cleaning & Janitorial Services
Your cleaning equipment — floor machines, vacuums, steam cleaners — and your supply inventory represent a meaningful investment. Commercial property coverage protects these assets at your business location from fire, theft, and other covered perils.
Industry-Specific Insight
Why Cleaning & Janitorial Services Businesses Need Commercial Property Insurance
Your cleaning equipment — floor machines, vacuums, steam cleaners — and your supply inventory represent a meaningful investment. Commercial property coverage protects these assets at your business location from fire, theft, and other covered perils.
Coverage Details
What Commercial Property Insurance Covers
Key protections included in a commercial property policy for cleaning & janitorial services operations.
FAQs
Common Questions from Cleaning & Janitorial Services Businesses
Does commercial property cover cleaning equipment at my storage facility?
Yes. Equipment and supplies stored at your business location are covered under the business personal property portion of your commercial property policy.
What about equipment I leave at a client's location overnight?
Equipment at client locations is covered by inland marine, not commercial property. If you leave equipment at client sites regularly, inland marine is important.
Does commercial property insurance cover flood or earthquake damage?
Standard commercial property policies typically exclude flood and earthquake damage. Separate coverage is available and may be worth considering depending on your location. A licensed agent can help you assess your exposure and find appropriate coverage.
What's the difference between replacement cost and actual cash value?
Replacement cost coverage pays what it costs to replace or rebuild damaged property at today's prices, without depreciation. Actual cash value accounts for depreciation, meaning you may receive less for older items or equipment. For most businesses, replacement cost is the preferred option.
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 Property
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