Too many commercial cleaning service companies don’t think about their insurance policies and what they cover until after something happens — and unless you have prepared ahead of time, that something might not be covered in your policy. The following are just a few of the things that can occur: lost keys, chemical spills, employee theft, damaged equipment and broken items. The proper insurance coverage can play an important part in keeping your risks to a minimum. The basic business insurance normally includes general liability insurance, commercial auto coverage, workers’ compensation and equipment breakdown. These may be all combined into a package policy, but you need to check with your agent to make sure you have coverage in these four areas.