Janitorial Insurance
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.
Why Do Janitors Need 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.
We know you’re busy, but you only need 10 minutes to start insuring your business.
What Type of Insurance for Janitors Do I Need?
General Liability Insurance
From
$29.17
/month*
A foundational janitorial insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
Contractor’s Equipment and Small Tools Insurance
From
$20.83
/month‡
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
Business Owner’s Policy (BOP)
From
$33.75
/month*
General liability, property insurance, and more all in one convenient package.
Workers’ Comp Insurance
From
$38.91
/month*
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.
Business insurance —
a one-minute explanation
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.
Why Should I Get Insurance for My Janitor Business?
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?
You can’t control when accidents happen
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).
A customer may decide to sue you
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.
It may be a legal requirement
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.
Prospective customers may be more willing to hire you
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!
Janitorial Insurance FAQs
How Much Does Insurance for Janitor Cost?
Try our Janitor Insurance Calculator
Get a quick estimate in just 3 steps.
Why Choose Simply Business?
We’re fast and affordable
Get free cleaning business insurance quotes in under 10 minutes, because who wants to spend hours learning about insurance?
We’re human
Insurance can be complicated. But whether you’re browsing our site or talking to one of our agents, you’ll quickly discover that we’re pretty down-to-earth about insurance.
We get your business
Forget one-size-fits-all insurance. Get the protection your cleaning business needs, when you need it the most.
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
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*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.