Janitorial Insurance

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Insurance for Janitorial Businesses Like Yours

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.

Plus, we’ve made it easy to get insured, so you can get back to your business faster. Find an online quote in under 10 minutes, or call one of our licensed insurance agents for expert guidance in picking the right policy.

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What Type of Insurance Do I Need for My Janitorial Business?

While every janitorial service provider is different, there are specific insurance policies we typically recommend for these businesses. Take a look at the types of policies we recommend for janitors, including what the policies can and can’t cover.

General Liability Insurance for Janitorial Businesses

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 and falls in a hallway that you’re cleaning and requires medical attention, general liability insurance may cover the medical costs related to their injury.

General liability insurance 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 your employees
  • Known claims or potential claims

Learn more about General Liability Insurance.

Contents Coverage for Janitorial Businesses

Chances are you’ve invested a lot of money in your cleaning supplies and equipment. But what happens if your supplies or equipment is stolen, lost, or damaged? Would you be able to replace them on your own?

That’s why it’s important to add contents coverage to your overall janitorial services insurance. This policy provides financial protection in case your equipment and supplies are damaged or stolen during the course of your work. If this happens, your policy can cover the cost of repairing or replacing your supplies and equipment (up to your policy limit).

Our contents coverage can be affordably packaged with our general liability insurance, so be sure to request it when shopping for a quote.

Workers Compensation Insurance for Janitorial Businesses

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 their medical bills, as well as lost wages as a result of their getting hurt.

Carrying workers compensation can provide much-needed security, as having this coverage in place prevents an employee from suing your business for a workplace injury.

Janitorial Insurance FAQs

You don’t have to be an insurance agent to find the right policies for your business. Check out our answers to the most frequently asked questions about janitorial insurance, including how to determine if you need it.

Do janitorial businesses need insurance?

Absolutely! Janitorial business insurance can provide crucial protection for your employees, your equipment, and your money, as well as the safety and property of your customers. Without janitorial insurance, you may be held responsible for any damages or accidents caused by your business. That means you’d have to pay for those damages out-of-pocket, regardless of how much they are.

For many janitorial services, those bills might be so high that they end up going out of business.

What does janitorial insurance cover?

Anything you need it to cover! Janitorial insurance is customizable, so you can have greater control over how your business is protected. So whether you need just general liability insurance or want coverage for your equipment, we can add these policies to your janitorial insurance coverage.

Is janitorial insurance a legal requirement?

It depends on the state you live in, as well as the cities where you operate. However, even if janitorial services insurance isn’t required in your state, you should carry it because:

  • Janitorial insurance prevents you from paying for property damage and accidents out of your own pocket.
  • It covers legal costs in case your business gets sued.
  • Customers may not want to hire you unless you have the coverage.
  • It can help you get approved for a business license.

How much does janitorial insurance cost?

If you’re curious about 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

Find out how much your janitorial business insurance may cost in less than 10 minutes. Just click here to answer a few questions about your business.

What type of insurance do I need for a cleaning business?

If your business focuses mostly on residential projects, cleaners insurance may be a better fit for you. This coverage provides the same protection as janitorial insurance but is more tailored to your specific risks and specialties.

Why Choose Simply Business?

Simply Business is an online business insurance brokerage that lets you compare and buy policies from top insurers. We have over a decade of experience in making business insurance clear and simple for our customers.

We pride ourselves on making business insurance:

  • Fast and Affordable: You have better things to focus on, like running your business. Our policies are fast, affordable, and ready when you are.

  • Tailored to You: Forget one-size-fits-all insurance. Get the exact protection your business needs, when you need it most.

  • Flexible with Coverage: Whether you need increased coverage for the busy season or a policy for a big project, Simply Business can help.

After all, you’ve worked hard to build your janitorial business. That’s why we offer the best coverage to protect it.

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