Looking for Cleaning Insurance in South Dakota?
Cleaning insurance helps protect residential and commercial cleaning businesses against claims involving property damage, bodily injury, or accidents that may occur while performing cleaning services.
Claims and lawsuits involving cleaning companies are fairly common, and while larger operations may draw more attention, small and owner-operated cleaning businesses face the same risks when working in clients’ homes and facilities.
Because cleaning insurance is not always offered through standard carriers, coverage is often placed with specialized insurance companies that understand the risks associated with janitorial and cleaning operations. In many cases, this coverage is written as part of a Business Owners Policy (BOP), with endorsements that modify the policy to properly address cleaning-specific exposures.
How Much Does Janitor Insurance Cost in South Dakota?
The cost of cleaning insurance depends on factors such as the type of cleaning services provided (residential, commercial, or specialty), the size of the operation, number of employees, hours of work, and any prior claims or losses.
These policies help cover the costs of defending the cleaning business if a claim or lawsuit arises, including legal expenses, settlements, or judgments related to covered incidents involving property damage, bodily injury, or third-party claims.
Coverage typically applies whether the business ultimately wins or loses the claim. However, most policies do not cover intentional acts, criminal behavior, or fines and penalties imposed by regulatory agencies.
Exposures that are covered under other policies—such as employee injuries covered by workers’ compensation—are generally excluded from cleaning liability coverage.
What coverages does a cleaning company need?
