When your company has more insurance claims, it leads to increased premiums. There isn’t any way around that.
To keep your premiums low, you have to find ways to avoid insurance claims. Here’s what you can do.
Protect Your Cleaning Business With the Right Insurance
Before you look at avoiding insurance claims, ensure that you are carrying the right policies for your business.
You can’t prevent all accidents and injuries from happening, no matter how hard you try. Therefore, some types of insurance are required.
When accidents do occur, your business must be protected. Your business can get insurance policies designed for professional cleaners.
Professional cleaners need a bundled policy tailored to meet their insurance needs. You can save when purchasing your general liability and auto and commercial policies with worker’s compensation insurance.
You can get quotes online instantly, and it costs less than you might think. When you find the right insurance company online, you can use their services to file claims, make policy updates, and get insurance certificates without ever having to make a phone call.
Avoid Insurance Claims by Improving Workplace Safety
The best time to avoid insurance claims is before they happen, however. You can do this by improving workplace safety. Here are some suggestions from the Small Business Resource Center to make your workplace safer.
Get a Safety Evaluation
You can do your own safety evaluation or ask an outside resource to help you.
If you’re doing it yourself, start with the Occupation Safety and Health Administration (OSHA) Recommended Practices for Safety and Health Program page on their website. It has links to all the resources that you will need.
Your team is an excellent resource, too. Get your team members involved and ask them to point out any safety issues they have experienced.
Develop Safety Procedures
Do you have a plan? Your employees need to know what’s expected of them regarding following safety rules and guidelines.
You can find many resources online to help you build a set of safety standards and practices for your business. Start with OSHA’s Cleaning Industry Overview.
Implement a Training Program
Regular training does more than teach hard skills. It also keeps safety at the front of everyone’s mind.
You don’t have to spend a lot of money on training, either. There are many free resources online. In addition, you can ask your vendors and suppliers if they can help with your team’s safety training.
After your first few training sessions, you can revisit your safety evaluation.
Follow Through With Safety Standards
Unless you enforce the safety procedures you set for your company, they are worth less than the paper on which they are written.
You have to follow up on any violations immediately, including termination for flagrant safety violations.
Create a Safety Culture
The boss sets the tone in the workplace. If you are the boss, it’s up to you to create a culture that supports a safe workplace.
Creating a safety culture is more than just being the first to put on your PPE, though that’s a big part. You also must encourage your employees to report safety issues and take safety breaks.
Protect Your Cleaning Equipment From Theft Damage
Properly secured equipment is far less likely to be stolen than equipment that isn’t. So always ensure that your equipment isn’t easy to steal.
If you have to travel with your cleaning equipment, ensure it is always secured and locked up. Thefts can happen anywhere, even at the gas station.
Inventory items regularly to avoid employee theft. People know when you pay attention to your equipment and supplies and will be warier of stealing from you.
Security cameras are excellent deterrents. You can find stand-alone security cameras for less than $50, which are easy to install. You can also install security cameras in your storage areas.
Train Employees How to Properly Use Equipment
A group of cleaners is checking their equipment before starting to work
Damaged equipment can be expensive to replace, and it can also take a long time. When you’re operating without the proper equipment, your service suffers.
Avoid damage to your expensive cleaning equipment by ensuring that employees are appropriately trained.
You can find one on YouTube if your vendor doesn’t have a training video. Even a short instructional video before you let your employee use your expensive equipment can save you a lot of money.
Secure Property to Reduce Theft or Damage Claims
Another source of claims in the cleaning business is theft or damage of a client’s property.
The only way to circumvent this issue is to ask your clients to remove expensive items before your team cleans. This is because they are less likely to get broken if they are put away.
Keys and passcodes must be secured appropriately, even when they aren’t used. For example, you could be responsible if someone uses your cleaning services company to gain access to a home and then steals from it.
Take Action to Protect Your Business
A lot can go wrong in any business, and the cleaning business puts you at greater risk for some types of insurance claims.
Knowing how to protect your business and prevent claims will keep your insurance costs low.