Can your Janitorial business improve the chances of being claims free and save premium on the bottom line? Depending on your business goals, you may opt to use Avoidance as an insurance strategy.  Being selective in areas of your Janitorial Business can help limit your exposure to claims and keep your premiums at a manageable level.  Consider Avoidance Strategies in the following areas: Scope of Work – Evaluate if you should be doing the riskier work.  Performing high risk work puts employees and the company's liability at risk.  Many Janitorial businesses choose to sub-contract out exterior windows, floor waxing/buffing, or power washing.  Is it better for your business to sub-contract out high risk work?  Before moving into that direction, discuss the steps that should to be taken with your insurance agent. Where You Work – Evaluate the cost of doing business in areas that are far away or in another state or in unsafe areas.  Are your General Liability, Comm ...