Janitorial Insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$29.17
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$29.17
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need Janitor Insurance?
Simply Business offers janitorial insurance that protects the blood, sweat, and tears you’ve invested in your business. Don’t know what insurance you need? Don’t worry. All you need to do is answer a few questions about your business, and you’ll get free, custom quotes from top insurers.
Below are some of the most common types of insurance policies that janitors carry to stay protected.
What Type of Janitorial Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$29.17
/month*
Contractor’s Equipment and Small Tools Insurance
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Does Janitor Insurance Cover?
Whether you have a custodial business with employees or you work for yourself, you’re probably budget-conscious. If you’re not aware of how valuable cleaning business insurance is, you may not want to spend your money on it.
So why even get a policy in the first place?
Accidents can happen at any time. And if you don’t have the right coverage in place, you may quickly find out how expensive an accident can be.
And the accident might not even be your fault, if someone works for your business, you may be liable for costs resulting from property damage or third-party injuries (i.e., customers or vendors).
Even if you’re doing your work perfectly, a customer could find some fault and decide to sue your business. It doesn’t matter if you’re in the right — you’ll still have to hire an attorney to defend you.
This scenario happens a lot more often than you think. An estimated 43% of small business owners have reported being involved in a lawsuit pertaining to their business.
Different states have different requirements, but if you need a business license or special certification to be a janitor, you may be asked to show a certificate of insurance (aka a COI). This document provides proof that you have the kind of coverage that might be required by state or federal laws.
If a customer has to decide between hiring a custodian with no insurance and one who carries insurance (hopefully that’s you!), it’s likely they will hire the insured business.
That’s because the customer knows that if any accidents or property damage occur as a result of your work, they won’t have to pay for it themselves — your policy can cover it.
Need a little more convincing as to why you should carry janitorial business insurance? Give our licensed insurance agents a call at 844-654-7272 — they’ll be happy to answer any questions you have!
What Does Janitorial Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Janitorial Insurance Coverage Questions
Laws vary by state, but it’s common for general liability insurance to be required for small business owners. Your free quote takes your location into account, and our licensed agents can help you determine your needs. If you have employees, you’ll need to have workers compensation coverage.
Janitors are typically able to deduct insurance premiums when filing their business income taxes. We strongly recommend talking to an accountant for more information about your state’s tax laws, though.
The level of insurance coverage you need depends on details about your business, including:
- The size of your business
- Your business’s location
- Your annual revenue
- And more
Our quote form takes your details into consideration to provide recommended coverage amounts. If you have more questions, our licensed insurance agents will be happy to assist you!
The quote process goes quickest when you have your business information ready to enter. You should have the following:
- Annual revenue estimates
- Payroll estimates
- Information on any previous claims
Each state creates its own requirements for small business insurance, including janitorial contractor insurance. Our quote form and insurance agents can help you understand your state’s requirements.
A comprehensive insurance product — one that includes general liability, professional liability, and workers compensation — can cover:
- Bodily injury
- Accidents and damages
- Employee injuries
- Unintentional mistakes
- And more
Each insurance quote is customized to your business, including the type of work you do and whether or not you have employees. Policy pricing is also impacted by:
- Payroll estimates
- The location of your business
- The specific services you offer
- And more
For a detailed breakdown check our Janitorial Insurance Cost guide. Want to see how much your personal janitorial insurance may cost? Just click here to answer a few questions and get free quotes to compare policy prices.
Every business owner is unique, and our licensed agents can help you find insurance that offers appropriate protection for your other services.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
Start your quote
Answer a few questions about
your business in one form.
Review quotes
Compare quotes side by side from top-rated insurers and customize your coverage.
Get protected in minutes
Choose your policy, and get instant proof of insurance – all online, and all within 10 minutes.
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Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
400+
business types covered
1M+
customers worldwide
18
top-rated carriers
We’ve Got More Helpful Information
9-minute read
A General Liability Insurance Guide for Small Business
12-minute read
How to get a certificate of insurance: A step-by-step guide
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.
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