Post Construction Cleaning Business Insurance
Getting insurance for your post-construction cleaning business is essential.
Post-construction cleaning businesses need to be protected against things like claims of property damage, contractual breaches, and negligence.
For example, an employee may accidentally injure themselves during the cleaning process, or one of your clean-ups causes damage to a neighboring property.
We’ll help you find the most personalized and affordable coverage for your unique business.
Recommended: Next Insurance is dedicated to matching small businesses with the right policy at the best price.
Best Insurance for a Post Construction Cleaning Business
General liability insurance is — generally speaking — one of the most important insurance policies for post-construction cleaning businesses.
Some of the risks general liability insurance covers are:
- Bodily injury
- Property damage
- Medical payments
- Legal defense and judgment
- Personal and advertising injury
Many post-construction cleaning businesses find general liability to be insufficient in providing them with all the coverage they need, and so branch out to some of the following additional policies:
- Workers’ compensation insurance
- Commercial property insurance
- Commercial auto insurance
- Commercial umbrella insurance
The insurance providers you can buy these policies from are commonly categorized into two distinct groups:
- Traditional brick-and-mortar insurers — Such as Hiscox, The Hartford, and Nationwide.
- Online insurers — Such as Tivly and Next.
We encourage businesses to select online insurers as their provider since they quickly offer you accurate and personalized quotes with AI technology that are affordable thanks to their low overheads.
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Cost of General Liability Insurance
On average, post-construction cleaning businesses in America spend between $500 - $1,500 per year for $1 million in general liability coverage.
Compare the average cost of general liability insurance for a post construction cleaning business to other professional industries using the graph below.
Several factors will determine the price of your policy. These include your:
- Location
- Deductible
- Number of employees
- Per-occurrence limit
- General aggregate limit
You may be able to acquire general liability insurance at a discounted rate by purchasing it as part of a business owner’s policy (BOP) rather than as a standalone policy.
A BOP is a more comprehensive solution that includes multiple forms of coverage, such as business interruption and property insurance.
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Common Situations That General Liability Insurance May Cover for a Post Construction Cleaning Business
Example 1: As your employees unload equipment from a truck, they accidentally cut a hole in the side of your client’s luxury sedan. General liability insurance would pay for the client’s vehicle repair costs.
Example 2: While rounding a corner at a job site, one of your employees accidentally runs directly into a client and knocks him to the ground. The client suffers a concussion and a broken arm, and he decides to sue you for damages. General liability insurance would cover your legal defense costs and any required settlement.
Example 3: A competitor files a lawsuit against your company, claiming you slandered and libeled his business. While you disagree with both accusations, you know you need to hire a lawyer right away. General liability insurance would pay for your legal defense and any required settlement.
Other Types of Coverage Post Construction Cleaning Businesses Need
While general liability is the most important type of insurance to have, there are several other forms of coverage you should be aware of. Below are some of the most common types of coverage:
Workers’ Compensation Insurance
Most states require businesses to carry workers’ compensation insurance for their part-time and full-time workers. This coverage protects your employees if they become injured at work or fall ill after a work-related accident. It not only covers an employee’s medical bills and lost wages if they need time to recover, but also any disability or death benefits stemming from a workplace accident.
Commercial Property Insurance
You made a major investment in the cleaning equipment, supplies, and real estate needed to run your company. In the event of a fire, theft, or natural disaster, commercial property insurance would cover the cost of repairing or replacing your business-related property. This includes structural damage to your building as well as the business materials stored there.
Commercial Auto Insurance
Any vehicle you use primarily for your construction cleanup work requires commercial auto insurance to protect the vehicle, driver, and others on the road in the event of an accident. Be sure to select a policy that covers not only accident-related vehicle repair costs and medical treatment for anyone injured, but also sufficient protection for any business equipment you carry in your vehicle.
Commercial Umbrella Insurance
While your general liability insurance policy covers most claims, some accidents or lawsuits may be so catastrophic that they threaten to exhaust the limits of your primary coverage. Commercial umbrella insurance protects you from paying out-of-pocket for any legal fees and awarded damages that exceed your primary policy.
Additional Steps To Protect Your Business
Although it’s easy (and essential) to invest in business insurance, it shouldn’t be your only defense.
Here are several things you can do to better protect your post construction cleaning business:
- Use legally robust contracts and other business documents. (We offer free templates for some of the most common legal forms.)
- Set up an LLC or corporation to protect your personal assets. (Visit our step-by-step guides to learn how to form an LLC or corporation in your state.)
- Stay up to date with business licensing.
- Maintain your corporate veil.
Post Construction Cleaning Business Insurance FAQ
Yes, absolutely. You will need to first get a quote from an online business insurance provider like Next Insurance. Next allows you to then purchase a policy immediately and your coverage will be active within 48 hours.
A typical business owner’s policy includes general liability, business interruption, and commercial property insurance. However, BOPs are often customizable, so your agent may recommend adding professional liability, commercial auto, or other types of coverage to your package depending on your company’s needs.
"Business insurance" is a generic term used to describe many different types of coverage a business may need. General liability insurance, on the other hand, is a specific type of coverage that business owners need to protect their assets.
Before your post-construction cleaning business commences its operations, it is highly recommended that it secures appropriate business insurance beforehand. Without it, your business will be exposed to the many risks inherent to the industry unprotected.
Additionally, depending on the state of your business, it may be obligated by law to carry certain policies (e.g., workers’ compensation and commercial auto insurance).
Not necessarily. Certain exceptions may be written directly into your post construction cleaning business insurance policy, and some perils may be entirely uninsurable.
Yes, an LLC is meant to create a legal barrier between your business and your personal assets and credit. If you haven’t formed an LLC yet, use our Form an LLC guide to get started.
An LLC doesn’t protect your business assets from lawsuits and liability– that’s where business insurance comes in. Business insurance helps protect your business from liability and risk.