Small Business Insurance That is Competitively Priced and That Provides the Gold Standard in Protection in 3 Fast and Easy Steps

• Get instant online Quick Quote premium indication in about 3 minutes.
• Request phone call from experienced insurance agent to finalize your formal proposal.
• Accept proposal and your coverage confirmation may be emailed in minutes.

These stores carry cleaning products and equipment used by janitors, housekeepers, maids and anyone who engages in cleaning houses, buildings, automobile interiors and/or windows. Products may include cleaning chemicals, floor and carpet cleaning machines, mopping equipment, paper and plastic products, bulbs, mats, soaps, dispensers, industrial deodorants, degreasers and trash bags.

General Liability Insurance for Janitorial Supply Stores – Merchandise in janitorial supply stores should be easily reached to prevent customer injury caused by falling inventory. Heavier merchandise should be on the floor or lower level shelving. Dangerous products, such as cleaning products and soaps should be kept on higher shelves and out of the reach of children. Deliveries should go through a rear entry if possible, to prevent contact with customers and related risk of collision and falling cargo. Product liability risks increase when products are being rented to the public. If janitorial supply stores are renting floor or carpet cleaning machines, for example, proper precautions should be taken to ensure the machinery is in good working order and that customers are aware of operating procedures and risks.

Worker’s Compensation Insurance for Janitorial Supply Stores – A formal Hazard Communication program should be designed to protect janitorial supply store workers against hazardous substances. Material Data Safety Sheets (MSDS) should be available for quick reference for any hazardous chemical that is kept on premises. Training should include informing employees of risks associated with certain chemicals and the proper methods of responding to spills and/or exposures. As with most retail locations, janitorial supply store employees should also be properly trained in lifting techniques to limit the risk of back strain or injury. Hand trucks or dollies should be used to move heavy or awkward merchandise.

Business Auto Insurance for Janitorial Supply Stores – A driver safety program should be laid out in writing to cover the philosophy of management, driver recruitment, training, ongoing qualification, specific rules and policies, vehicle maintenance and incident reporting. If deliveries for the janitorial supply store are being made with company vehicles, drivers should be required to restrict their use of cell phones and be strictly prohibited from using substances that could alter their ability to operate the vehicle safely.

Property Insurance for Janitorial Supply Stores – The risk of fire at a janitorial supply store is increased due to the presence of both paper products and flammable chemicals kept in inventory. The principle fire loads for these stores may include paper towels, plastic trash bags and cardboard containers. Combustible cleaning supplies should be stored in limited amounts and away from paper products. Trash should be removed daily to further reduce the risk of fire. Because of the risk of fire, off premises computer backups should be maintained on a daily basis. The system should be tested regularly to ensure it is in good working order.

Crime Insurance for Janitorial Supply Stores – The business should publish a written policy of prosecuting any employee who is caught engaging in theft. Furthermore, each janitorial supply store employee should be required to sign a statement acknowledging such which should become part of the permanent personnel file. A philosophy of aggressive prosecution can be a deterrent to employee theft. An effective control for reducing the risk of robbery is to ensure that two employees are on duty at all times. Employees who witness suspicious activity should be instructed to immediately alert management and law enforcement.