Cleaning Business Insurance San Diego, CA

General Liability Insurance

This insurance protects your cleaning company from allegations that it caused physical injury, property damage to another person, or personal injuries like libel or slander. Liability insurance for cleaning services is essential coverage for many small business owners.

Business Owners’ Policy (BOP)

A BOP is a policy that combines property and liability coverage into one convenient package. It is common among small to medium-sized business owners who own or rent the space where they operate.

Workers’ Compensation Insurance

In California, all firms with one or more employees must carry a workers’ compensation policy. This coverage assists employees who are injured or ill on the job with medical expenditures and missed earnings.

Professional Liability Insurance

Professional liability insurance, often known as errors and omissions (E&O) insurance, protects organizations from allegations of professional carelessness and helps pay for defense expenses. This coverage is important for California firms that perform professional services.

Tools and Equipment Coverage

Tools and equipment insurance can be added to your general liability insurance to help in covering the expenses of repairing or replacing your equipment. Make sure you update your policy when purchasing new equipment.

Employment Practices Liability Insurance (EPLI)

EPLI can cover the costs of claims filed by your company’s workers for employment-related concerns. Unfair dismissal, sexual harassment, and discrimination are examples. It is a smart policy to have because workers nowadays are well-informed about their rights.

Commercial Auto Insurance

Most states need commercial auto insurance if you possess a car or truck that is registered to your company. Even if you drive your own truck to job sites, your automobile insurance is unlikely to cover it.

Commercial Property Insurance

Fire, explosion, storms, theft, and vandalism are all examples of unexpected disasters that commercial property insurance protects your company’s physical assets from. Additional coverage for floods, earthquakes, equipment breakdowns, and other direct causes of loss to your business are also available.

Commercial Umbrella Coverage

Commercial umbrella insurance provides an extra layer of liability protection by paying expenditures that go beyond your regular liability coverage limits. In other words, business umbrella insurance supplements your other liability coverages by stepping in when the limitations of your other liability coverages are reached.

Inland Marine Insurance

Inland marine insurance covers your belongings while they are being moved from one location to another and is not covered by a standard commercial property insurance policy. Cleaning contractors transfer equipment, tools, and other materials from one job site to another regularly, and they may keep products on-site until a cleaning process is completed.

Cyber Insurance

Businesses are covered by cyber insurance in the case of a data breach. It covers first-party expenses like investigation services and data recovery, as well as third-party costs like legal fees and settlement costs. If you keep or manage client data such as credit card information, you should consider this coverage.