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 icon

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 icon

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 icon

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 icon

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
Umbrella / excess liability insurance icon

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
Surety bond icon

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.

How much does insurance cost for janitorial services?

Woman with clipboard calculating cost of insurance for her cleaning business.

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
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
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"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
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