Janitorial Insurance

Customized Insurance for Your Janitorial Business

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Simply Business is pleased to provide tailored insurance coverage from:

Janitorial Insurance That’s Made Just for You

As a janitorial business owner, you spend a lot of time in other people’s homes and offices. That means you’re exposed to risk, so you need plenty of protection.

For example, what happens if you accidentally spill cleaner on a customer’s laptop? What will you do if a client claims you left the office entrance unlocked, which allowed someone to come in and steal office equipment? Accidents, property damage, and even lawsuits can leave you professionally and personally vulnerable.

That’s why you need janitorial business insurance.

What Insurance Do Janitors Need?

At Simply Business, we work with janitorial businesses like yours to provide personalized protection. We design coverage based on your exact needs, so you’ll end up with insurance that makes sense for your business.

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General Liability Insurance for Janitorial Services

General liability insurance - also known as commercial general liability (CGL) insurance - protects you and your business from claims and costs associated with third-party accidents, property damage, and some types of lawsuits. For example, if someone slips in a hallway you’re cleaning and requires medical attention, general liability may cover the medical costs related to that person’s injury.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to own employees
  • Known claims or potential claims
  • And more

Learn more about General Liability Insurance.

Professional Liability Insurance for Janitorial Services

Professional Liability insurance - also known as errors and omissions insurance (E&O insurance) - is a type of policy that provides coverage in the event a customer alleges negligence from your janitorial services. If your customer decides to sue your business for mistakes related to your services, your professional liability insurance policy may cover any resulting damages and legal costs.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • And more

Workers Compensation Insurance for Janitorial Services

Workers compensation insurance covers the lost wages, medical bills, and legal costs of an employee who was injured while working for you. For example, if your employee accidentally gets burned by a cleaning agent while cleaning a client’s office, your workers compensation policy can cover his medical bills, as well as wages lost as a result of getting hurt.

If that employee decides to sue you - say, because you didn’t properly store the cleaning agent - your workers compensation policy can cover the costs of the claim, as well as your legal bills.

Learn more about workers compensation insurance.

How Much Does Janitorial Insurance Cost?

If you’re curious as to how much janitorial insurance costs, the answer usually depends on:

  • The number of employees you have (including subcontractors)
  • Your geographical location
  • Your business’s specialties
  • And more

Want to find out how much your janitorial insurance will cost? Just click here to answer a couple of questions about your business.