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Property

Property insurance is a core coverage your cleaning or restoration business requires. Insurance discussions for professional cleaning and restoration operations often focus on liability issues.  However, protecting the buildings and equipment that enable you to function is critical.  

Details matter.  Building premiums are calculated based on multiple factors including usage, location, age, and construction type.  With equipment it can get even more detailed.  Contract language and even where property is located can affect how or if your property is insured correctly.  And property is not just buildings and equipment.

There are several types of coverage that come under the heading of property insurance.  The property portion of your insurance portfolio should include a complete set of property coverages critical for the cleaning and restoration industry.

  • Building Coverage:
    • Office
    • Shop
    • Warehouse
  • Contents Coverage:
    • Equipment
    • Tools
    • Furniture
    • Computers
    • Cleaning supplies/stock
  • Business Income and Extra Expense
    • Protecting your operating budget
  • Off Premises property coverage, including mobile equipment
  • Property in transit
  • Leased equipment
  • Inland Marine Coverage

Complete Property Protection

At Moody, we understand the potential complexity of property exposures for cleaning and restoration companies.  Our experienced team has provided risk management and insurance solutions for cleaning contractors for over 20 years.  Utilizing our proprietary VisiRisk™ process, we partner with you to assess, protect and maximize the business value of your property.

We understand your property needs complete protection.  Equipment could be in the warehouse one day, on a client’s property the next day, and in a storage unit the day after that.  Not to mention it’s been in a vehicle multiple times for transportation purposes.  This requires special insurance considerations.

Let’s start with a conversation.  Yes, we know professional cleaning property, from office equipment to floor scrubbers and air movers.  But more importantly, we know how you can correctly protect it and maximize your assets to build your business.

Talk with an expert about your professional cleaning property needs.