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Commercial auto insurance for cleaners

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Commercial auto insurance

Commercial auto insurance can pay for property damage and medical bills in an accident involving a business-owned vehicle. It also covers theft and certain types of damage.

Commercial auto insurance protects the vehicles you depend on

Your employees rely on your cleaning company's vehicles to travel to clients. But if an employee gets into an accident, it could lead to much more than missed work. A lawsuit over an auto accident could cost your business thousands in legal bills or a settlement, especially if another person is injured.

The annual median premium for commercial auto insurance is $1,555 for a cleaning business. Compared to the cost of a court battle, it's easy to see which is the better deal.

How does commercial auto insurance protect you?

Commercial auto insurance helps cover many costs related to a car accident, such as property damage, medical bills, lawsuits, and other expenses. It also pays for vehicle theft, as well as repairs due to vandalism and weather damage.

Your policy can be tailored to match your business. For instance, a pool cleaning business that only works with customers in a 15-mile radius may require less coverage than a septic tank cleaning company that operates in a rural area with long drive times between clients.

Who needs commercial auto insurance?

Company-owned vehicles such as window cleaning trucks and janitorial services vans must be covered by commercial auto insurance.

You may need commercial auto insurance if you:

  • Drive your business vehicle to client locations
  • Transport cleaning equipment to client locations
  • Send employees on errands during work hours

State regulations determine how much coverage you need. Your commercial auto insurance must meet your state’s liability insurance requirements.

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What coverage can commercial auto provide for cleaning businesses?

You can tailor your commercial auto insurance policy to match the needs of your janitorial services business or other cleaning business. Your policy may cover:

Legal costs

If your cleaning business is sued over an accident, legal defense fees can add up quickly. You could also end up having to pay a settlement or court-ordered judgment if you lose the case.

Medical expenses

If an employee driving a cleaning company's vehicle is injured in an accident, your policy can cover the cost of medical care for the employee or anyone else who is injured.

Collision

Collision coverage pays for damage to your window washing truck or other work vehicle, regardless of who is at fault.

Uninsured motorists

This coverage pays for damage caused by drivers who don’t have insurance.

Non-collision damages

Comprehensive insurance covers non-collision damages including vandalism, theft, and fire.

Personal vehicles may need additional coverage

Commercial auto insurance only covers business-owned vehicles, but sometimes employees drive their own cars for business errands. Personal auto policies almost always exclude coverage for business use. Hired and non-owned auto insurance provides liability coverage for janitors, house cleaners, and window cleaners who get into an accident while driving their personal vehicle to conduct company business. It also covers leased or rented vehicles.

Other important policies to consider

While commercial auto insurance is a must-have for small businesses that depend on a vehicle to transport cleaning equipment to clients’ homes and businesses, it does not cover risks beyond those related to your vehicle. Owners of pool cleaning businesses, janitorial services companies, carpet cleaning businesses, and other cleaning businesses should also consider:

General liability insurance: This policy will help pay for expenses if a client slips on a wet floor after you mop, or you break a valuable keepsake while dusting. Your clients may require this type of insurance in their contracts.

Workers’ compensation insurance: This policy is required in most states for businesses that have employees. It can cover medical expenses if an employee is injured on the job. For example, if a window cleaner falls off a ladder and has a concussion, workers’ comp can pay for medical bills as well as partial lost wages.

Janitorial bonds: Also known as employee dishonesty bonds, janitorial bonds protect your business against employee theft of client property. Many clients won’t hire a cleaning service business that doesn’t have this coverage.

Get free quotes and compare policies with Insureon

Are you ready to safeguard your cleaning business car, truck, or van with commercial auto insurance? Simply complete our easy online application today. Once you find a policy that fits your needs, you can begin coverage in less than 24 hours.

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