
Commercial Cleaning Buyers’ Guide – citywidejani.com Page: 12
company’s auto fleet. Any accidents that can occur on their way to your
company can easily put your business at risk. You never know the way they
operate their vehicles and what may happen on the road. Therefore in order to
be completely sure that you are not holding any liability and putting your
business in jeopardy make sure the cleaning company has this type of
insurance.
Umbrella Policies – this is the worst case scenarios preventers: it covers all
losses in excess over General Liability, workers compensation and auto liability
insurance. In simple words, if the worst happens and you have a claim
settlement that exceeds the 1 million dollars in general ability coverage of your
cleaning company, then the umbrella policy will pick up the additional expense
together with the legal expenses and you won’t have to worry about anything.
Considering that this is the ‘ultimate’ insurance, make sure the cleaning
company has at least 5 - 6 million dollars Umbrella Coverage on their insurance
certificate.
Now, the question you may ask, is how to make sure the insurance certificate is
authentic? Well, the authentic insurance certificate will be mailed to you by a
insurance carrier and will contain your company’s name and the BSC’s name as
the insured, it will list the insured limits and has an expiration date. You can
always check it with the insurance company to be 100% sure it is legit.
Insurance is not the only thing that can cause you problems and put your
reputation in jeopardy. If the commercial cleaning company you hire has illegal
workers (no matter if it is a immigrant without proper documentation or
workers who are intentionally misclassified as independent contractors so