Cleaning Business Public Liability Insurance Guide (Canada)

This guide provides Canadian cleaning business owners with essential information about public liability insurance, also known as commercial general liability (CGL). It outlines how CGL protects against third-party claims for bodily injury or property damage that may occur during cleaning operations. Key points include: • Understanding the types of risks cleaning businesses face, such as slip and fall incidents, property damage, and subcontractor liabilities. • The importance of having multiple types of insurance coverage, including workers' compensation, commercial auto, and tools/equipment coverage. • Common coverage limits requested by clients and how to determine the appropriate limit based on specific business needs. • Best practices for managing subcontractors and ensuring compliance with insurance requirements. • A 30-day action plan for assessing and improving your insurance coverage and risk management practices. This guide emphasizes the importance of thorough documentation and proactive risk management to protect your business from potential claims.