Every day, businesses face risks to employees getting injured, but some industries are more prone to incidents than others. As a cleaning business owner, you’re probably aware of the risks your team encounters everyday, but did you know that you could be held liable for paying for the costs of an on-the-job incident?
In the event of a workplace injury, workers’ comp covers:
If employees injure themselves on the job or get sick, you could face a mountain of costs related to the incident — including compensation for their lost wages, medical bills, and legal expenses if the employee files suit. To protect both yourself and your team, it’s important not only to reduce risk but to have business insurance to prevent additional harm to your bottom line. The cleaning industry is highly competitive, so protecting yourself and your employees is a smart business move.
1. Understand Cleaning Business Risks
The first step in reducing incidents is to understand the risks your industry faces. Cleaning business workers can experience slips and falls, exposure to toxic chemicals, and repetitive motion injuries from frequent mopping, sweeping, and vacuuming. All of these injuries are not only painful to the employee but also can be expensive. Once you know what risks you are facing, you can take steps to help employees understand and avoid them.
2. Train Employees on Safe Working Practices
Safety training is extremely important in any industry, but that is especially true for cleaning businesses. To help keep your employees safe, make sure they are trained to follow industry best practices. Whether that means taking regular breaks during repetitive activities, wearing protective equipment, or simply being aware of potential risks they’re exposed to, you can help create a culture of safety in your business.
3. Educate Employees on Cleaning Product Safety
One of the biggest risks that cleaning businesses face is regular exposure to cleaning products. Because cleaning products can cause chemical burns, skin and eye sensitivity, and other types of illnesses, employees should be aware of the risks associated with chemical exposure and should be taught how to properly and safely use, mix, and transport chemicals./span>
4. Stay Industry Compliant
One key way to protect your cleaning business from liability issues is to ensure you’re compliant with industry regulations and standards set by experts. The more in line you are with these kinds of guidelines, the more your team is protected. For example, OSHA (Occupational Safety and Health Administration) sets standards for the cleaning industry that help avoid injuries or illnesses. OSHA also offers safety programs and other resources to help business owners like yourself know what steps to take to maintain a safe working environment.
5. Get Workers’ Compensation Insurance
No matter how many precautions you take, it’s impossible to avoid accidents completely, and not all injuries will be covered by general liability insurance, so you will also want to consider workers’ comp for your cleaning business. Even if you’re not required by your state law to have it, the cost of premiums generally pales in comparison to the cost of the medical bills and other expenses should you be found liable for the injury.
Workers’ comp for cleaning businesses gives you protection against paying out of pocket for the costs of an employee’s workplace injury or illness. Workers’ comp can cover:
With the many risks your team faces every day, wouldn’t it offer you peace of mind to have insurance coverage that protects your employees as well as your cleaning business from losing it all?
Did you know the AHCA has teamed up with Cerity?
We’re excited to announce that American House Cleaners Association has now partnered with the industry’s leading digital insurance company, Cerity, to bring you less expensive workers’ comp insurance to help you protect your businesses in uncertain times. Cerity is backed by one of the most trusted brands in the industry, EMPLOYERS™, with over 100,000 customers, and a history spanning 100 years.
Unlike traditional workers’ comp plans which require extra costs like commissions, Cerity has ZERO commissions, ZERO upfront costs and is engineered to give you a lower price!
You’re likely paying way too much for workers’ comp, start saving today. It’s super easy to switch. Get a free quote by clicking the red button below.