Janitorial work often involves operating in client spaces after hours, handling chemicals, and using equipment that can cause damage if mishandled. Core coverages include:
- General Liability – protects against third-party injury or property damage claims.
- Workers’ Compensation – required in most states if you have employees, covering work-related injuries or illnesses.
- Commercial Property Insurance – protects business-owned equipment and supplies.
- Business Owner’s Policy (BOP) – combines general liability and property coverage into one policy.
