Business Insurance for Janitorial Services

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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.

  • Slip-and-fall accidents
  • Third-party damage
  • Libel or slander lawsuits
Workers’ compensation insurance icon

Workers’ compensation insurance

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

  • Employee medical costs
  • Partial lost wages
  • Legal bills
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.

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

  • Client accusations of theft
  • Theft of money
  • Stolen property
Looking for different coverage? See more policies.

How much does insurance cost for cleaning professionals?

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

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

  • Cleaning services offered
  • Business equipment and property, such as company vehicles
  • Revenue
  • Location
  • Number of employees
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What our customers are saying
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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.

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