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Best Janitorial Insurance of 2022

Bryan Keith

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.

Affordable plans and coverage provided within minutes

$2,000,000

Coverage Up To

$0 - $2,000

Deductibles

Overview

Next Insurance leverages AI technology to streamline the process to purchase insurance, track claims, and manage policies at no additional cost.

What we like

  • Affordable insurance plans
  • Customized coverage to fit your business
  • Get covered within minutes
  • Near instant access to proof of insurance
  • Quick and easy to process claims

What we don't

  • Not available in New York

Covers a wide range of industries

$2,000,000

Coverage Up To

$1,000+

Deductibles

Overview

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.

What we like

  • A skilled advisor to assist you
  • Free quotes from multiple insurance carriers
  • Covers low risk to even some high risk industries
  • Online account management

What we don't

  • No brick-and-mortar offices
  • Deductible costs

Offers a range of insurance poilicies

$2,000,000

Coverage Up To

$0 - $2,000

Deductibles

Overview

Simply Business provides insurance policies for a range of professions and small businesses.

What we like

  • Various business insurance policies
  • Quotes from multiple providers
  • Fast and easy application
  • Strong customer satisfaction

What we don't

  • Policies are a through a third party
  • Claims must be filed through insurance provider

Customized solution to fit your business needs

$2,000,000

Coverage Up To

$0 - $10,000

Deductibles

Overview

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.

What we like

  • Established insurance company
  • Dual auto insurance
  • Customizable insurance for over 180 industries
  • Deductibles starting at $0
  • Affordable rates

What we don't

  • Limited US offices
  • Coverage limited to $2 million online

Flexible coverage by the year, month, day, or by the job

$2,000,000

Coverage Up To

$0 - $10,000

Deductibles

Overview

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.

What we like

  • Scheduled coverage options
  • Coverage by the job available
  • Buy a policy online within minutes
  • No hidden fees
  • Affordable plans
  • Drone insurance

What we don't

  • Not available in New York

eCommerce-only insurance solution

$2,000,000

Coverage Up To

$0 - $5,000

Deductibles

Overview

Spott will ensure that your policy coverage is tailored to your business while complying with Amazon’s Terms and Conditions. They also track changes to Amazon’s Terms and Conditions to identify potential issues with listings before a suspension.

What we like

  • Tailored eCommerce insurance
  • Liability insurance for Amazon sellers
  • Store Suspension coverage
  • Compares leading insurance carriers
  • Flexible coverage options and payment plans
  • Knowledgeable about Amazon’s rules and policies

What we don't

  • Limited physical offices

What is janitorial insurance?

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.

Who needs janitorial insurance?

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:

  • Office cleaning
  • Cleaning and sanitizing rooms
  • Vacuuming
  • Sweeping up dust and debris
  • Mopping of non-carpeted floors
  • Taking out trash
  • Restroom cleaning

What insurance do janitorial businesses need?

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

General liability insurance

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.

Commercial auto insurance

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.

Workers’ compensation insurance

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.

Business owner’s insurance

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.

Janitorial bond

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.

What are the limits of janitorial insurance?

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

How much does janitorial insurance cost?

There are several factors that affect your premium (but not limited to):

  • Types of clients (commercial is higher risk than residential),
  • Claims history
  • Number of employees
  • Deductibles
  • Location
  • Revenue of your business
  • Coverage limits

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

How to choose the best janitorial insurance

Here are several factors to consider when selecting a policy and provider:

  • Customize: The provider should be able to customize their product to best suit the needs of your business. A provider that is not willing to work with you should not be the provider you work with.
  • Customer feedback: To see what customers really think about them, check out reviews for each provider to get insight into their customer service and customer satisfaction. Third party companies like the BBB which rates how satisfied the public is with large companies, so this score is a good measure on how to qualify a provider.
  • Options: Have the providers show a few different products and go through the different options, weighing the pros and cons of each one.