Coverage Explained

Liability Coverage

General liability
Commercial general liability protects against unforeseen claims and lawsuits. It pays settlements, awards, and the legal cost to defend you, your organization, and your employees. It protects your operation’s reputation.

Medical payments
Reimburses others for medical expenses they incurred from bodily injury or death caused by you, regardless of whether or not you were actually at fault.

Lost key
Covers the cost of the lost keys, adjustment of locks to accept new keys and/or new locks, if required, including cost of Installation on your client’s property if you lose their keys.

Other coverages
Personal and advertising injury, damages to premises rented to you, employee benefits, employee practices liability, and many more.

Liability enhancements include:

• Damage to property in your care, custody or control
• Property damage to borrowed equipment
• Property damage from elevator use
• Property damage to premises rented to you
• Automatic additional insureds
• Monument endorsement

Workers Compensation Coverage

A worker’s compensation policy covers expenses resulting from on-the-job injuries including:

• Lost wages and benefits
• Medical care and rehabilitation services
• Legal representation and compliance services

Property Coverages

Property
Commercial property coverage ensures janitorial professionals are protected if damage occurs to your building or your personal property inside your building by a covered loss.

Business income
Compensates for income lost during the “period of restoration.” With this important coverage, you can receive the revenues you would have earned had there been no loss.

Equipment breakdown
Provides the cost to repair or replace your mechanical or electrical equipment if it breaks down.

Property enhancements include:

• Debris removal
• Fire department service charge
• Pollutant clean up and removal
• Electronic data processing equipment
• Signs
• Employee theft

Other Coverage

Crime and fidelity
Protects you from employee theft, theft of money or securities, and forgery or alteration.

Inland marine
Covers your valuable papers, computer systems, signs, property off premises, and miscellaneous articles of equipment.