PostsInsurance Knowledge Center
Everything we get asked in the office, written down in plain English. Pick the thing you own or the trade you work in — the number beside each topic is how many articles are waiting there.
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Your Janitorial Contract Could Be Creating More Risk Than Your Insurance Covers
You can buy a good insurance policy and still sign a bad contract. Imagine your janitorial company wins a large […]
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Employee Theft, Janitorial Bonds and Crime Insurance: What Florida Cleaning Companies Need to Know
“Are you licensed, bonded, and insured?” Janitorial companies hear that question all the time. Many owners simply answer yes. However, […]
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Commercial Auto and Hired & Non-Owned Auto: The Coverage Gap Florida Janitorial Companies Miss
Your janitorial company owns one van, so you insure the van. Problem solved, right? Maybe not. What about the supervisor […]
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Are Your 1099 Cleaners Really Independent Contractors? Florida Insurance and Workers’ Comp Risks
“They’re not employees. They’re 1099s.” Janitorial company owners say this all the time. However, issuing someone a Form 1099 does […]
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Florida Painting Contractor Insurance: What Coverage Does Your Business Need?
A painting crew finishes an exterior project just before a summer storm. The customer later reports overspray on a neighboring […]
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Workers’ Compensation for Florida Janitorial Companies: Class Codes, Payroll and Hidden Problems
Many janitorial company owners think workers’ compensation is simple. The insurance company takes your payroll, multiplies it by a rate, […]
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Florida Workers’ Comp for Painting Contractors: Employees, Owners, and Exemptions
A painting contractor in Tampa lands a larger exterior repaint. To finish on schedule, the owner brings in two extra […]
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General Liability Insurance for Florida Janitorial Companies: Where the Real Claims Come From
Every time your cleaning crew enters a customer’s building, your company takes on liability exposure. One wet floor can cause […]
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General Liability for Florida Painters: Property Damage, Completed Operations, and Coverage Gaps
Your crew finishes an interior repaint. The customer approves the color, the rooms look clean, and the final invoice goes […]
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The Florida Janitorial Company Insurance Checklist: What Coverage Do You Really Need?
Running a janitorial company may seem straightforward. You hire a crew, buy cleaning supplies, secure customer contracts, and get to […]
