Learn about business insurance requirements and the most common policies for janitors and maids in Florida.
Which policies are required for cleaning businesses in Florida?
Depending on the specifics of your cleaning business, you may be required to hold several different types of business insurance.
If you use a company car to visit customers’ properties, you may need to purchase commercial auto insurance to meet state requirements.
If you have a physical location with a commercial lease, your property manager may require you to purchase general liability insurance. Commonly purchased by janitors and maids in Florida, general liability insurance can protect your business from expenses associated with common mishaps, such as customer property damage and injuries.
To meet state requirements in Florida, every non-construction business with five or more employees must provide workers’ compensation insurance, which covers lost wages and medical bills for work injuries.
Depending on your clients, you may also need to purchase a janitorial bond to fulfill the terms of a contract. This bond protects your clients from losses caused by employee theft.
What are the most common policies for Florida cleaning businesses?
The most common policies for cleaning businesses in Florida vary depending on revenue, client contracts, partnerships, and other factors.
General liability insurance
General liability insurance is the foundation of a cleaning business’s protection, with coverage that extends to client injuries, client property damage, and advertising injuries. Most commercial leases require you to have this coverage.
Business owner's policy (BOP)
Small cleaning businesses might qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability insurance at an affordable rate.
Commercial auto insurance
Commercial auto insurance protects vehicles owned by your cleaning company. It covers property damage and medical bills in an accident, along with vehicle theft, weather damage, and vandalism.
Florida workers' compensation
If you own a cleaning company in Florida that has five or more employees, your business is required to have workers’ compensation coverage. If you have fewer than five employees, workers’ compensation is optional. However, the policy will cover lost wages and medical bills if an employee is injured slipping on a wet floor, for example, or develops carpal tunnel syndrome after years of cleaning.
Janitorial bonds are a type of surety bond that protect against losses caused by an employee’s dishonesty. If one of your maids or janitors steals from a client, a janitorial bond will reimburse your client.
Commercial umbrella insurance
Your clients might require commercial umbrella insurance to ensure protection against expensive lawsuits. This policy provides additional coverage on your general liability insurance, commercial auto insurance, and employer's liability insurance (part of workers' comp) once their limits are reached.
What do cleaning businesses in Florida pay for insurance?
According to an analysis of Insureon applications, the typical janitor or maid in Florida can expect to pay less than the national median for some types of business insurance and more than the national median for other types.
For example, the median annual cost of general liability insurance for janitors and maids in Florida is $723, slightly less than the national median of $837. On the other hand, the median annual premium for workers’ compensation insurance is $4,620, significantly higher than the national median of $2,834.
Save time and money with Insureon
Insureon’s industry-leading technology helps cleaning professionals in Florida save time and money shopping for insurance by comparing policies from top U.S. providers. Start a free online application to review quotes for the policies that best fit your business. Our insurance agents are licensed in Florida and can answer your questions as you consider coverage.
To make the application go quicker, have this information ready:
- Workforce details, such as the number and types of employees
- Current and projected revenue
- Business partnerships
- Insurance history and prior claims
- Commercial lease insurance requirements
Apply for free insurance quotes for cleaning businesses today.