Question 1

What is a common misconception about General Liability for Cleaning Services?

Accepted Answer

Cleaners think 'we're careful.' Damage to customer property is the #1 claim type.

Question 2

What happens if cleaning services don't have General Liability?

Accepted Answer

Bleach damages a $12K hardwood floor. GL with care/custody/control pays.

Question 3

What is a common misconception about Workers' Compensation for Cleaning Services?

Accepted Answer

Cleaners face higher injury rates than expected — chemicals + heavy lifting + ladders.

Question 4

What happens if cleaning services don't have Workers' Compensation?

Accepted Answer

Cleaner falls from ladder cleaning windows — $24K. WC pays.

Question 5

What is a common misconception about Commercial Auto for Cleaning Services?

Accepted Answer

Hired/non-owned auto for crews driving personal cars.

Question 6

What happens if cleaning services don't have Commercial Auto?

Accepted Answer

Service van rear-ends — $80K. Auto pays.

Question 7

What is a common misconception about Inland Marine (Tools & Equipment) for Cleaning Services?

Accepted Answer

Equipment in vans/customer locations isn't covered by commercial property.

Question 8

What happens if cleaning services don't have Inland Marine (Tools & Equipment)?

Accepted Answer

Theft of $4K of equipment. Inland marine pays.

Question 9

What is a common misconception about Employment Practices Liability (EPLI) for Cleaning Services?

Accepted Answer

Cleaner staff file EEOC charges regularly.

Question 10

What happens if cleaning services don't have Employment Practices Liability (EPLI)?

Accepted Answer

Terminated cleaner alleges discrimination — $25K. EPLI pays.

Cleaning Services Insurance Coverage Guide | RISKX