Turn to Our Experience in Insuring Professional/Commercial Cleaning Services
Moody’s Commercial Cleaning Insurance Services Program provides residential cleaning companies and building service contractors with a broad array of industry-specific coverages. The program is designed to allow customization of the policy to meet the unique needs of your business.
Professional Cleaning Services Program
- Competitive rates
- Comprehensive coverage for Property, Liability, Auto, Workers’ Compensation,
- Umbrella and more
- Tailor-made coverages for cleaning service professionals
- Loss control information designed to assist you in maintaining a safe operation
- 24-hour claims service
- Payment plans with no finance charges
Core Coverages
Business Liability
Business Liability protects your business against financial loss resulting from claims of damages, actual or alleged, to others caused by you or your employees for which you are legally obligated to pay. This includes:
- Liability coverage for customer’s property in your care, custody or control
- Liability coverage for your workmanship
- Premises Liability
- Products and Completed Operations
- Medical Expenses
- Advertising/Personal Injury
- Defense Costs
Building and Business Property
Building and Business Property coverage provides for the repair or replacement of your building and equipment, stock, furniture or fixtures that you own.
- Building and Contents
- Business Income and Extra Expense
- Off Premises property coverage, including mobile equipment
Business Automobile
Unlike a Personal Auto Policy, which provides protection for individuals, a Business Auto Policy will protect the interests and assets of the business shown as the Insured on the policy. Types of coverage and limits vary state by state, but basic coverages you might expect to find on a Business Auto Policy are: Liability, Medical Payments, Personal Injury Protection, Uninsured Motorists, Collision, Comprehensive, Hired & Non-owned Auto Liability, Lease Gap, Drive Other Car, and more.
Workers’ Compensation
Workers’ Compensation insurance was established to serve the interests of both the employer and employee regarding work-related injury or illness. Although this policy is generally referred to as “Workers’ Compensation,” it actually provides two types of coverage: Workers’ Compensation insurance provides benefits for compensable employee injury or illness as required by state law, regardless of fault. Employers’ Liability coverage is additional protection for the employer should a lawsuit be brought by an employee, employee’s spouse and/or dependents due to employee injury or illness.
Umbrella Liability
An Umbrella Liability Policy provides protection over and above your basic business Liability insurance policies (General Liability, Auto Liability, etc.). Should a devastating loss occur, an Umbrella Liability policy could make the difference between keeping your business open and having to close.
Tailor-Made Janitorial Coverages
In addition to our core policies, we offer a full range of optional coverages that allow you to tailor your insurance program to your needs, just as you tailor your cleaning services to meet the needs of your clients. Some of these coverages include:
- Lost Key Coverage
- Employee Theft coverage without a conviction clause
- When Employee Theft coverage is purchased, additional coverage is provided to a specified limit for loss from damage to covered property resulting from dishonest acts committed by an employee with respect to a person or firm for whom you are performing janitorial services
We’ll be happy to discuss the specific coverages with you and how we can help you protect your business.
Apply For Coverage
Complete a short questionnaire that gives us an overall picture of what type of services you provide and helps us determine whether you are eligible for Moody’s Professional Cleaning Services Program. With this information, we can better assess your exposures and our ability to meet your needs. This form takes only minutes to complete and does not require you to have your policies available.
Building Service Contractors Cleaning Services Program Residential Cleaning Services ProgramWe may contact you if additional information is required.
It is our goal to make the application process as easy for you as possible, so we have tried to keep our forms brief. This may require that we contact you for additional information. We will do our best to simplify the process in any way we can.