General liability insurance provides protection to your clients. As a cleaning company, if might seem as if your business has few risks. Yet, it is not uncommon for a problem to arise. What if your employee breaks a valuable possession? What if they use a chemical improperly, causing damage? These are just a couple reasons why you should have quality insurance protection. What type of coverage do you need?
Know The Risks
When operating a business, one of the most important things you must do is understand your risks. Consider what can go wrong. Then, make sure you have proper insurance to protect against those risks.
Who needs this type of insurance? Any type of company providing cleaning services including:
- Dry cleaners
- Office cleaning services
- Carpet cleaning companies
- House cleaning companies
- Laundry service providers
General liability insurance works to protect almost any type of claim made against your company. Mistakes and accidents can happen to the most experienced workers. When they do, you need to know your insurance can help minimize the financial loss to your company.
What Are You Responsible For?
One good way to see the value of such a policy is to examine the potential risks. For example, what type of risks does your company take on during operations?
- Do you handle other people's valuables — such as clothing, possessions, or materials?
- Does your company use any type of chemical or mechanism to clean that could cause damage?
- Do you visit clients with a variety of valued assets sometimes worth a significant amount?
Even the most expensive vase or the most simplistic chemical can cause an incident. With general liability insurance, you gain some peace of mind.
The policy protects you from claims from customers — so long as your policy reflects the type of work you do. If someone should bring a claim to you, your Dean, Heckle & Hill agent can assess the situation. They then handle any settlement.
If you face a lawsuit from the loss, your insurance company can help represent you. In some cases, they may pay the settlement, too.
The key to general liability insurance is ensuring your Dean, Heckle & Hill agent knows your risks. As a cleaning company, you need protection from many risks. The highest risks come from your clients themselves.
Be sure your business insurance coverage matches this. In some cases, this may mean purchasing more liability insurance. You may also need other coverage to keep your business protected long-term.