Janitorial Services Insurance

Definition: This coverage reimburses for a loss related to replacing keys and locks at a client’s building due to theft or loss.

Claim Example: An employee is working in an office building and loses the keys to the office. The cost to replace the keys is covered in this scenario.

Definition: This coverage reimburses the cost of property damage claims directly related to work involving a client.

Claim Example: An employee is using the wrong cleaning product and causes irreversible damage to furniture. The cost to replace the furniture is covered in this scenario.

Definition: Standard general liability policies exclude damage to property in the care, custody or control of the insured. This endorsement will buy back coverage to provide payment for a loss resulting in property damage to personal property of others in the care, custody, and control of the insured.

Claim Example: A janitorial service company is providing cleaning services to a residential home. While cleaning, an employee of the insured knocks over an expensive vase that breaks. The cost to replace the vase is covered in this scenario.