Business Insurance for Janitorial Services

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Save money by comparing janitorial business insurance quotes

Janitorial insurance can help cover expenses if you lose a client’s keys, if one of your employees is injured, or if client property is damaged during a cleaning.

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One application, multiple quotes

Insureon helps janitorial service businesses compare quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do janitors need?

These policies provide coverage for common risks faced by janitorial businesses.

General liability insurance

This policy protects janitorial businesses against basic risks, such as client injuries or property damage during cleaning. Add lost key coverage for more complete protection.

BEST FOR

Slip-and-fall injuries
Accidental property damage
Libel and slander lawsuits

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for janitorial businesses that have employees. It can cover medical bills for work injuries and illnesses.

BEST FOR

Employee medical costs
Partial lost wages
Lawsuits over employee injuries

Commercial auto insurance

This policy covers injuries and property damage in accidents involving a janitorial company's vehicle. It also covers vehicle theft, vandalism, and weather damage.

BEST FOR

Physical damage and collision coverage
Injuries caused to another person
Theft and repairs due to vandalism or weather

Business owner's policy

A business owner's policy (BOP) is a cost-effective way for a small janitorial company to purchase general liability insurance and commercial property insurance together.

BEST FOR

Slip-and-fall injuries
Damaged client property
Damaged cleaning equipment

Commercial umbrella insurance

Commercial umbrella insurance boosts the policy limits on a janitorial business's general liability, commercial auto, and employer's liability insurance.

BEST FOR

Customer injury lawsuits
Legal bills from auto accidents
Lawsuits over employee injuries

Janitorial bonds

Janitorial bonds are a type of surety bond that protect your clients from financial loss. They can provide reimbursement if a janitor steals money or property from a client.

BEST FOR

Client accusations of theft
Theft of money
Stolen property

Looking for different coverage? See more policies.

Why do janitors need insurance?

Janitorial businesses face multiple risks. An employee could suffer a back injury while loading a van, a client could slip on a freshly mopped floor, or an employee could steal money from a client’s office. Janitorial insurance can cover these and other liability issues.

See cleaning business insurance requirements in your state

Choose your state to learn about insurance requirements for cleaning businesses.

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How much does insurance cost for janitorial services?

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Several factors will have an impact on insurance costs, including:

Value of your cleaning equipment and property
Number of vehicles
Revenue
Location
Number of employees

View Costs

What our customers are saying

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