Workers’ compensation insurance provides important coverage when a workplace injury happens. By helping to pay for related expenses, such as medical bills and lost income, this insurance protects your cleaning business from significant financial losses after an accident.
The physical nature of the work that cleaning professionals do makes workplace injuries more likely to occur. For example, a carpet cleaning or floor waxer could injure their back when working on a client’s home, or a janitor or housekeeper could slip and fall on a freshly mopped floor.
In most states, workers’ compensation insurance is required by law if you have employees. Getting coverage helps protect cleaning services from fines and other penalties.
Workers’ compensation can help cover expenses related to an employee’s injury on the job. If one of your workers gets hurt, this insurance can help pay for their medical bills as well as the income they’ll miss out on during their recovery.
This insurance also provides compensation in the event of a severe injury that results in permanent disability or death.
Workers’ comp can help pay for:
Learn more about what workers’ compensation insurance covers.
The hands-on, physical work that cleaners creates a risk for potential injuries on the job. If an employee gets hurt, their medical bills could add up quickly. At the same time, they could lose income while out of work to heal.
When an injury occurs on the job, the business can be held responsible. Workers’ compensation insurance helps cover any injury-related costs, which protects the financial stability of the business while also making sure employees are taken care of while they recover.
Clients often require that cleaning businesses have workers’ comp insurance, and it’s often mandated by state law for businesses with employees.
Cleaning insurance offers you protection from a wide range of unexpected events and accidents. The following are some of the common risks that cleaners could be exposed to at work:
Your employee slips on a wet floor and hits their head, requiring a visit to the emergency room. With workers’ compensation insurance for cleaning businesses, you’ll be able to help cover their medical bills.
A worker injures their back while moving a heavy piece of furniture to clean underneath. Workers’ comp insurance can help cover their lost wages while they recover.
Severe injuries are rare in this industry, but in the event that a serious or life-threatening accident occurs, your workers’ comp insurance can help cover the associated costs.
Depending on the extent of the injury, this may include long-term disability benefits, burial expenses or survivor benefits for an employee’s family.
An injured employee could file a lawsuit against your business claiming that your negligence put them at risk. If this happens, workers’ comp insurance can help with the legal costs to defend yourself.
If you run your own cleaning service, be sure to add business owner’s coverage to ensure that you’re covered if you get injured at work.
NEXT offers custom workers’ comp insurance policies that provide the right coverage for your business at an affordable rate.
More than half of NEXT’s customers pay less than $150 per month for workers’ comp. Because the risk of injury isn’t especially high in the cleaning industry, most cleaners can expect to pay about $103 per month for this type of coverage.**
Cleaning businesses that face more risks on the job, like window cleaners that work on skyscrapers, can expect to pay higher rates.
Other key factors which affect the cost of workers’ compensation insurance for cleaning businesses include:
NEXT makes the process of getting cleaning business insurance convenient and affordable. With our simple, straightforward services, you can secure the coverage you need in just minutes.
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