safe Your Cleaning company With the allowable insurance

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Too many companies don't think about their insurance policies and what they cover until after something happens -- and unless you have prepared ahead of time, that something might not be covered in your policy. The following are just a few of the things that can occur: lost keys, chemical spills, worker theft, damaged equipment and broken items. The proper insurance coverage can play an leading part in keeping your risks to a minimum.

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The basic company insurance usually includes general liability insurance, commercial auto coverage, workers' payment and equipment breakdown. These may be all combined into a package policy, but you need to check with your agent to make sure you have coverage in these four areas. also the coverage listed above, the janitorial aid manufactures has risks unique to it and you should make sure that you are covered for the following:

*Lost key coverage. This should pay to replace lost keys, adjust locks, or purchase and install new locks.

*Coverage for property in your care. This may include rental property, such as floor covering cleaning or floor care machines.

*Theft of customer property coverage. This should cover losses incurred for theft and losses that occur from negligence, such as an worker who forgets to lock a building and allows a thief to steal your customer's valuables.

*Limited pollution coverage. As a cleaning company your employees will most likely be working with an assortment of chemicals. You need to have coverage for accidental job site pollution that may arise from chemical spills.

*Business income coverage. If your biggest customer went out of company and your main source of income dried up, could you stay afloat until you had a occasion to sign on new clients?

*Office equipment coverage. Check your course to make sure you have enough coverage for your computers and office equipment. If you have a home-based company you might be able to get a rider attached to your homeowner's insurance policy.
How do you choose an insurance carrier? To make sure that you get the proper insurance and the right types of coverage you should look for an agent that has contact working with businesses that contribute janitorial services. Remember, the more your insurance agent knows about your business, the more safe bet you can be that he or she will contribute a extensive program that meets your needs.

Look for a company that is financially strong and stable. It is also leading to know that the company has a solid history of paying claims in a timely manner. Once you have an agent that understands your company's needs you should consider buying all of your company insurance policies straight through one company. This saves on paperwork and you are more likely to make sure that all of your discrete coverages work together.

Once you have your policies in place don't forgot about your insurance. Keep your agent informed of any changes in your business, i.e., new company location, new vehicles, etc. Also, make an list of all of your property; keep one copy at the company and one copy of the list off-site. contribute a good safety training program to your employees to cut the likelihood of accidents and injuries.

Any one incident that happens could cause serious problems for your company and without the proper insurance coverage, could put you out of business. Taking time before something happens is vital to make sure that your company will survive if a catastrophe happens. Getting convenient insurance for your cleaning company can be a involved and confusing task. But having the proper insurance coverage for your company is something you can't afford to be without.

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