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Business Insurance for Janitorial Services
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What kind of work do you do?
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Why do janitorial businesses need insurance?
Janitorial business insurance helps cover expenses if a client slips on a wet floor, or a janitor drops a valuable item. It's a must-have in a profession where employees work in homes and offices, and handle client property.
Save money on insurance
Insureon helps you find property and liability coverage for the unique risks of janitorial services. Fill out one easy application to compare quotes from top insurers.
Have questions? Our licensed insurance agents will help you get the right policies at a fair cost.
What types of business insurance do janitors need?
These insurance policies cover common risks faced by janitorial businesses and commercial cleaning companies.
General liability insurance
This policy provides financial protection 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
- Advertising injuries, such as slander and libel
Workers’ compensation insurance
Most states require workers' comp when you hire your first employee. It also protects sole proprietors from work-related medical costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Partial lost wages
- Lawsuits over employee injuries
Commercial auto insurance
This type of insurance covers injuries and property damage in an accident involving a janitorial company's vehicle. It also covers vehicle theft, vandalism, and weather damage.
BEST FOR
- Physical damage and collision coverage
- Medical bills from a vehicle accident
- 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 business to purchase general liability insurance and commercial property insurance together.
BEST FOR
- Third-party bodily injury
- 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 provide reimbursement if a janitor steals money or property from a client.
BEST FOR
- Theft of money
- Stolen property
- Fulfillment of client contracts
Looking for different coverage? See more policies.
How much does insurance cost for janitorial services?
A janitorial business with a few workers will pay less for insurance than a large company with a dozen janitors.
Other factors that affect the cost of janitor's insurance include:
- Value of your cleaning equipment and property
- Business size and revenue
- Types of business insurance purchased
- Policy limits and deductibles
- Claims history
How do I get janitorial services insurance?
It’s easy to get insurance coverage for a janitorial business if you have your business information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your janitorial business, whether you work independently or hire employees.
State insurance requirements
See cleaning business insurance requirements in your state
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