Contact Information

Theodore Lowe, Ap #867-859
Sit Rd, Azusa New York

We Are Available 24/ 7. EMAIL Now.

Insurance is important for your business to have. There are numerous different types of insurances available to protect different aspects of your business from different tragedies. You can think of getting insurance for your business as placing your seatbelt on when you get in the car. No matter what event occurs, this safety net will allow you to walk away from the wreckage without being harmed. If you do not have insurance, you can lose money, face lawsuits, or suffer damage to your property because of events that you had absolutely no control over. It’s better to have business insurance to ensure that you are safe and the amount of risk imposed to your company from unforeseeable events is minimal.

Why You Need Janitorial Insurance

Here are 4 types of insurance you may consider:

  1. Property Insurance

            This is important for businesses that own their own building or own business personal property. Business personal property is things such as office equipment, inventory, computer equipment, or any other tool that you utilize in order to run your business. Property insurance protects your business from events such as fires, vandalism, smoke damage, or theft.

  1. Liability Insurance

Liability insurance should really be purchased by all businesses. This includes even home based businesses. This is because liability insurance protects you from any damages you may obtain as a result of you, those in your employ, or any product or service you provide allegedly causing any type of bodily injury or property damage to third party individuals. It is important that you ensure you are protected from blame, especially in the world where companies can be sued over not having a disclaimer saying their coffee is hot.

  1. Commercial Auto Insurance

This type of insurance is aimed at protecting the company’s vehicles. It covers any vehicle carrying employees, products, or equipment. This allows you to insure all of the vehicles utilized for work purposes are protected from collisions and/or damage. Even if you do not have company vehicles, you should have non-owned auto liability insurance for your business. Non-owned auto liability protects you in the event employees are driving their own cars and do not have insurance or have not obtained adequate coverage.

  1. Worker’s Compensation

Worker’s compensations are a type of insurance that insures employees when they are injured on the job. It will replace the wage for your employee and provide necessary medical benefits to any individual that is injured while working. Employees give up their rights to sue the employer in exchange for being provided with worker’s compensation. It protects you and the company from any legal complication that can come about due to employees who are injured on the job, especially since most personal insurance companies will not cover workers that have been injured at work and your employees will need a way to pay for their medical expenses while out of work.

If you can, you should obtain the different types of insurances from the same company. It makes the process of filing a claim a lot easier, since a lot of incidents will require more than one insurance to cover the different aspects. Also, when you obtain insurance from the same business, a lot of times they will have package options that will combine some, if not all, of their insurance types into one package that is more cost-effective for your company


administrator