FROM OUR PARTNERS
Whether you work alone or have a team, janitorial insurance will help cover you for liabilities, from a client slipping on a wet floor to dropping a valuable item when cleaning. We’ve evaluated the best janitorial insurance providers based on coverage, financial stability, customer satisfaction, and overall quality.
Simply Business provides insurance policies for a range of professions and small businesses.
For more than 200 years, the Hartford Insurance helped over 1 million businesses just like yours.
Coverwallet began its journey in New York City in 2015 operating under the Aon Insurance banner. At Coverwallet, you can access everything you need to keep your company well-protected at an unbeatable price.
Next Insurance leverages AI technology to streamline the process to purchase insurance, track claims, and manage policies at no additional cost.
With a 100-year history of insuring businesses, Hiscox is well-known across America and globally. With more than 500,000 small business customers, Hiscox is fully aware and trained in the unique risks a business can face.
Thimble provides business insurance that can be tailored to your business by the year, month, day, or even the job. At Thimble, the process to getting the right business insurance is simple, scalable, and flexible.
As with all businesses, even these janitorial work carries a certain amount of risk, which is why it is important to consider a janitorial service policy. Janitorial insurance can protect you from financial risks, such as someone slipping on a freshly waxed tile floor or tripping over the vacuum cord when one of your employees is just doing their job.
Any business that provides services for everyday cleaning should consider janitorial insurance to protect their business from any claims that may arise on or after the job. These types of services could include:
Carrying the right type of policy for your janitorial service company not only helps establish more credibility in the eyes of a customer but also is required by law in most states. It also makes your company seem more professional than one without insurance. Janitorial insurance usually encompasses general liability insurance, commercial auto insurance, workers’ compensation insurance, janitorial bonds, and more.
Common types of policies
In the cleaning industry, this is also known as the slip-and-fall lifeline. Since freshly cleaned floors could still be wet or slippery, slipping and falling is one of the high-frequency accidents that occur. General liability insurance will help cover the costs if an accident like this were to happen. It covers bodily injury, property damage due to your work, and advertising injuries.
This insurance will protect you and your business from any claims made due to auto accidents. If you use a vehicle for day to day operations of your business, you should get a commercial auto insurance policy. Most states require this insurance from businesses if they have a vehicle.
Sometimes employees get injured on the job. This type of policy pays for medical costs and expenses for injuries and/or sicknesses incurred by employees while on the job. Also, worker’s compensation is mandatory in certain states.
You will most likely be using your own equipment and be carrying it to the different job sites to provide janitorial services. Business owner’s insurance covers your equipment, supplies, and physical location (if you have one) from fire, vandalism, and theft.
This is a type of surety bond which helps promote trustworthiness to clients. It is basically like an insurance company telling them that your business can be trusted and mitigates risk by reimbursing the client should an employee steal or break something accidentally.
Depending on the types of jobs you contract or if you have more employees, you may want to look into higher limit policies. Commercial jobs tend to be riskier than residential and may require higher limits. Areas with a high volume of traffic have greater potential for an accident. The limits you choose should adequately cover your business should a claim be made against your company. Below is a basic guide to limits:
| General liability insurance | $300,000 – $2,000,000 aggregate |
| Commercial auto insurance | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident |
| Workers’ compensation | $100,000 bodily injury per accident |
| Business owner’s insurance | $2,000,000 aggregate |
| Janitorial bond | $2,500 – $100,000 aggregate |
There are several factors that affect your premium (but not limited to):
Below is a good starting point to potential costs for janitorial insurance:
| General liability insurance | $350 – $8,000 annually |
| Commercial auto insurance | $1,500 – $4,500 annually |
| Workers’ compensation | $2,000 – $4,200 annually |
| Business owner’s insurance | $750 – $7,000 annually |
| Janitorial bond | $125 – $350 annually |
Here are several factors to consider when selecting a policy and provider:
