Jul 05, 2023Managing Janitorial Work Comp Risk During Growth
What Makes a Comprehensive Cleaning & Maintenance Program
Those in the cleaning and maintenance industry, within such companies as janitorial services and carpet cleaners, have a lot to think about and consider when choosing the right comprehensive maintenance insurance program. Before they even get started gathering up all their information, they’re hit with a number of coverage types, providers, and options to sift through.
Insurance providers need to make it as easy and efficient as possible for those looking for a full-service protection plan that’s tailor-fit to a possible maintenance client’s needs. From considering day-to-day risks to understanding where a client is coming from, agents need to be ready to supply and educate those in need. Here are some solid components to making a comprehensive program for cleaning and maintenance clients.
Know the Risks
As an insurance provider, you may know what to include in a program, but do you know the industry you’re trying to serve? While you don’t need to be an expert, it’s important to be knowledgeable of what your clients are needing to have protected. Work with your clients to go over an inventory of risks their businesses face on a daily basis including risks at the office or on the job.
Go over business assets, including such things as cleaning equipment used to perform their work. What about chemicals and harsh liquids they encounter on a daily basis? Those should be taken into account to. The more you know your clients’ daily risks, the more effectively you can help craft the right coverage for their needs.
Know the Industry
Adding to the previous section, being able to speak the language of a cleaning and maintenance client will go a long way. Offering up an understanding of their industry and what they risk daily will make communication smoother and more to-the-point. What’s more, this will add a level of transparency and trust from the start, and they will be more inclined to take suggestions.
Maintenance and cleaning companies look for specific types of insurance coverages. Here are a few:
- General liability insurance
- Property & inland marine coverage
- Commercial automobile coverage
Coverage Over Cost
Cost is always an important factor for maintenance companies. If it’s a smaller business, such as a family business, it may be the single-most important factor to consider when putting together a personalized program. Insurance providers should be sympathetic and understanding when it comes to their client’s financial boundaries.
The benefits and a necessity of this kind of insurance policy should be made known to them, especially when it comes to the risk of not having insurance while facing a possible lawsuit. However, agents should be willing to work with clients on their personalized financial details.
About Tangram Insurance Services
Located across the Golden Gate Bridge, just outside of San Francisco, Tangram Insurance Services is a full-service Managing General Underwriter and Program Manager offering specialty programs. We focus on industry-relevant coverage, competitive pricing, and practical business and risk management solutions for your clients. Since we are not all things to all people, we make sure to create outstanding custom-built solutions that matter to those businesses, and the brokers who serve those industries. Contact us at (888) 744-9810 to learn more about our programs.