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

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 accidents
Third-party damage
Libel or slander lawsuits

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.

BEST FOR

Employee medical costs
Partial lost wages
Legal bills

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

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.

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 cleaning professionals?

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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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"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."

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Custom programmer

"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."

Esther L.

Management consultant

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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