SOURCE: Insureon


May 22, 2012 12:01 ET

Leading Online Broker Insureon Takes Guesswork out of Small Business Insurance With Industry-Vertical Expertise

Janitorial Services and Cleaning Insurance Specialty Coverage Added

CHICAGO, IL--(Marketwire - May 22, 2012) - In recognition of Small Business Week, insureon, the leading online broker for small business insurance, is taking the guesswork out of small business insurance one industry at a time. This week, insureon added janitorial services and cleaning insurance to the latest in a long line of new specialty areas, the most recent being the addition of coverage for contractors. Janitorial and maid services companies get direct access to insurance at, with particular emphasis on small and micro-businesses.

"With insureon, small businesses have a partner who understands their needs," said Ted Devine, CEO at insureon. "We are believers in the incredible impact small and micro-businesses can have on employees and communities as the job engine of America's economy. As such, we are honored to have the opportunity to give them an easy way to find insurance that covers their risks, allowing them to focus on growing their businesses."

Each small business insureon serves has unique needs, and this is true for the newly added janitorial services. According to insurance market data provider AM Best, these include:

  • Workers' Compensation - Scrubbing, waxing, mopping -- at best, janitorial work takes a heavy physical toll. At worst, it can be a dangerous job with slips and falls, heavy lifting and work required at heights. Depending on the industries served, janitorial services companies may choose higher limits of Employers' Liability coverage, gaining extra coverage in the event an employee sues the company, claiming negligence contributed to the injury or illness.
  • Automotive Liability - Accidents happen. And this is particularly true for janitorial services companies that travel from on client location to another -- often at night and in bad weather. Whether the cars are owned by the company or the employees themselves, the company may have liability exposure.
  • Fire and Extended Property Coverage - Many cleaning products are flammable, and when added together in a storage area on business premises, a disaster could be just a spark away. Certain cleaning companies will have greater exposure depending on the type and amount of flammable liquids stored.
  • General Liability: Premises and Operations - Janitorial services companies should also protect against any slips, trips or falls that might happen in the workplace, as well as potential damages their services could cause at client premises. Whether it is a "mysterious disappearance," soiled carpeting, disturbed landscaping or broken furniture -- companies will likely find a need for this coverage eventually.

Insureon also recommends that janitorial services companies consider Business Owner Protection and Errors and Omissions coverage, which will protect owners' assets from the more difficult to predict risks. Insureon provides janitorial services companies with access to multiple underwriters and a customer service team trained to identify the best possible insurance for their needs.

About Insureon

Insureon is the leading online business insurance agency for small business, with special expertise serving the fast-growing micro-business sector, which includes the self-employed and companies with 10 or fewer employees. Insureon allows small and micro-businesses to apply for insurance and receive multiple quotes from leading insurance carriers online, completing in minutes a process that otherwise would take a week or longer.

Insureon is headquartered in Dallas, TX, with offices in Chicago and New York. In New York, business is conducted as Business Insurance Now Agency; in Nebraska, Nevada, New Hampshire and New Jersey, business is conducted as BIN Insurance Holdings, LLC; and in California business is conducted as BIN Holdings Insurance Agency, LLC. For further information, please visit TechInsurance and Business Insurance Now.

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