How much does janitorial insurance cost?

Janitorial businesses pay a median premium of $45 per month or $540 annually for general liability insurance.

This policy protects janitors against legal costs from customer property damage and injuries, such as a customer slipping on a recently mopped floor. It also provides financial protection for advertising injury lawsuits, such as a competitor suing your company over a negative comment on social media.

Median cost per year: $540
Median per-occurrence limit: $1 million
Median aggregate limit: $2 million
Median deductible: None

Learn how to save money on general liability insurance, which coverage limits to choose, and more on Insureon's general liability insurance cost analysis page.

Insureon’s licensed agents typically recommend purchasing a business owner’s policy (BOP), which bundles general liability insurance with commercial property insurance at a discount. It protects your own business property and cleaning equipment and guards against common third-party risks.

The median premium of a BOP for janitorial businesses is only $43 per month or $520 annually, likely because only small, low-risk businesses are eligible.

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's business owner's policy cost analysis page.

The median cost of workers’ compensation insurance is $165 per month for janitorial businesses, or $1,976 annually. The cost depends on which state your business is located in and the number of employees you have, among other factors.

Workers’ compensation is required in almost every state for janitorial businesses with employees. This coverage helps pay medical bills and lost wages for employees who are injured on the job. Most policies include employer’s liability insurance, which provides protection in case one of your janitors sues over a work injury.

Learn how workers' comp premiums are calculated and more on Insureon's workers' compensation insurance cost analysis page.

Janitorial businesses pay a median premium of $111 per month or $1,337 per year for commercial auto insurance. This policy covers your legal bills if someone sues over damages or injuries caused by your business vehicle. It also covers vehicle theft and vandalism.

Businesses with company-owned vehicles, such as a van used to transport cleaning supplies and equipment, must purchase commercial auto insurance to comply with state laws. The cost will vary depending on the type and number of vehicles your business owns, together with factors like how often they are driven.

Learn how coverage limits and other factors affect the cost of this policy on Insureon's commercial auto insurance cost analysis page.

Janitorial businesses pay a median premium of $66 per month or $792 per year for commercial umbrella insurance. Most companies purchase this policy to satisfy a client’s requirements for higher limits on general liability insurance.

Umbrella insurance boosts the limits of your janitorial company’s general liability, commercial auto, or employer’s liability insurance in $1 million increments. Once the underlying policy’s limit is reached, umbrella insurance provides additional protection. Your premium depends on the amount of coverage that you buy.

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's umbrella insurance cost analysis page.

With a median cost of $9 per month or $109 per year, a janitorial bond is an affordable way to gain client trust. The cost of a janitorial service bond is determined by the amount of coverage you purchase.

A janitorial bond is a type of surety bond that protects against losses caused by dishonest employees. It compensates your client if one of your employees steals from them. However, this bond doesn’t cover damage to a client’s property.

To learn more about the cost of surety bonds, visit Insureon's surety bonds cost analysis page.