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Janitorial Insurance

Get Insured in Under 10 Minutes + Monthly Payments to Fit Your Budget.

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Janitorial business insurance protects your hard work

Being a janitorial contractor or business owner is hard work. You’re on your feet all day or night taking care of a facility and performing the tasks that others don’t want to do. While your efforts may go unnoticed by some, Simply Business sees your hard work and is here to look after you.

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.

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Need more detail? Read our FAQs:

  • What is Business Insurance?

Coverage Type

Here are two types of business insurance available to janitors:

  • General liability insurance
  • Workers compensation insurance

Each type of policy covers different scenarios, but all insurance offers the benefit that:

  • It can protect your business from certain claims.
  • It can cover damages caused by your negligence.
  • Proof of insurance can help clients feel good about your work.
  • It may be legally required where you’re located.

Janitorial staff cleaning an office

What Types of Janitorial Insurance Do I Need?

While janitorial contractor insurance is always recommended, you may not be required by law to have every policy type. There are a couple of different categories of business insurance, and we’ll explain each one.

General Liability Insurance

As the name suggests, general liability insurance is the most generalized type of janitorial insurance. This type of insurance covers bodily injury, property damage, and third-party accidents. What’s a “third party”? It usually encompasses your customers or vendors. When you choose a janitorial business insurance policy, you’ll also have the option to add contents coverage, which can reimburse you for stolen property.

Even though being a janitor may not seem like a high-risk profession, every business comes with risks. The average claim for property damage or accidents in small businesses is $30,000. Without liability insurance, you would have to pay the entire bill yourself. Paying for a claim is very far down on the list of things I’d do with $30,000.

Since most of us aren’t reviewing business insurance policies every day, it can be a little overwhelming to think about what scenarios it covers. As a janitorial contractor, general liability insurance may be able to protect your bank account if you damage property. For example, imagine that you bump a chandelier in just the wrong spot as you’re dusting it, and it falls to the floor. The chandelier is broken, and your client sues you for $10,000 — the cost of the crystal chandelier. Yikes!

Without insurance, you’d need to defend yourself in court or hand over that cool ten grand. However, if you have general liability insurance, your policy would defend the lawsuit and pay for some of and potentially all of any settlements.

So what does general liability insurance usually cover in your janitorial business? Here’s a recap:

  • Third-party property damage (aka customers or vendors)
  • Bodily injury
  • Medical expenses
  • Personal and advertising injury
  • And more

General liability insurance usually does not cover:

  • Personal property damage
  • Professional services
  • Employee injury and workers compensation
  • Damage to your work
  • Motor vehicles during business use
  • Intentional injury or damage
  • And more

Workers Compensation Insurance

Adding employees is a positive sign that your business is booming. As you take on that extra responsibility, though, you sign up for a few additional requirements. In most cases, workers compensation insurance is legally required if you have employees. Workers comp insurance policies cover medical bills, lost wages, and any legal costs associated with an employee who got sick or hurt on the job.

What does this type of coverage look like for your janitorial business? Your employee could strain their back while moving a large office printer to do a thorough cleaning. Or someone could have a reaction or receive a chemical burn from a cleaning product that’s too strong. Not to mention slips and falls on freshly mopped floors or stairs.

Workplace injuries are expensive, but having workers compensation insurance lessens the impact. The average cost of workers comp claims is $41,000.

Workers compensation insurance for janitors can cover:

  • Medical payments
  • Lost wages
  • Rehabilitation expenses
  • Death benefits

Janitor preparing cleaning materials

Why Should You Get a Janitorial Business Insurance Policy?

You’ve built your business from the ground up, and each decision is not made lightly. We understand that business owners need to be conscious of how they’re spending money and that insurance can be an additional financial burden. However, any monthly insurance costs are a much more pleasant number than the prices you could be accountable for if something went wrong.

Business insurance shouldn’t be one-size-fits-all, so the cost can vary. Your policy premiums are based on how many employees you have, where you’re located, what types of janitorial services you provide, your estimated revenue, and more. You can answer a few questions here to get a tailored estimate.

The average costs small business owners are exposed to without insurance include:

  • $30,000 for property damage or accident claims
  • $39,000 for work injury claims
  • $50,000 for reputational harm claims (e.g., slander or libel)
  • $20,000 for a client slip-and-fall case

Unfortunately, businesses aren’t immune to accidents. Forty-three percent of small business owners have reported being threatened with or involved in a civil lawsuit.

What’s even tougher is that you don’t necessarily have to do something wrong to be faced with a severe customer complaint or lawsuit. You could provide an upstanding service, but if a customer decided that they’re dissatisfied with an outcome, they could sue. Even if the court determines you’re in the right, you could still rack up legal fees.

If you have janitorial insurance in those instances, though, the expensive claims and legal fees won’t all come out of your pocket.

Insurance doesn’t just protect you from the potential “gloom and doom” scenarios, though. Showing proof of insurance can help you:

  • Rent out a room or space for your business
  • Convince other janitors to work with you
  • Earn customers’ confidence
  • Open another location
  • And more!

When you buy insurance through Simply Business, you’ll receive a certificate of insurance (COI), so you can provide proof of coverage.

Question marks

Janitorial Insurance FAQs

Is janitorial business insurance required by law?

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.

Is janitorial insurance tax-deductible?

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.

How much janitorial insurance will I need?

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!

What should I consider before buying janitorial insurance?

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

Does janitorial insurance differ by state?

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.

What does janitorial insurance cover?

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

How much does janitorial insurance cost?

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

Want to see how much your janitorial insurance may cost? Just click here to answer a few questions and get free quotes to compare policy prices.

What if I perform multiple activities as a business?

Every business owner is unique, and our licensed agents can help you find insurance that offers appropriate protection for your other services.

Janitor preparing cleaning materials

Why Choose Simply Business?

Choosing an insurance policy isn’t something you do every day, so the decision can be overwhelming. Simply Business is trusted by thousands of customers to protect their business, and we provide you with the information you need to make the best choice for you. We’re an online insurance brokerage that lets you compare quotes from top insurers and are one of the fastest-growing online providers of small business insurance.

So why choose Simply Business? Our customers know that :

  • We make affordable insurance easy to find. Our quote process takes only a few minutes, and you’ll be able to review free quotes right away. Choose the affordable policy that fits your needs, and then get back to your busy schedule.

  • Our coverage is flexible. Select the insurance coverage your business needs, and increase coverage as your business grows.

  • We have insurance as unique as you are. You deserve coverage that’s tailored to your needs and business. Each quote is crafted for you.

You’ve worked hard to build your janitorial business. Now you can choose the best coverage to protect it.

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This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.

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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated reinsurance carrier by A.M. Best. Harborway Insurance is a trade name of Simply Business, Inc., which is a licensed insurance producer in all 50 states and the District of Columbia.

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business, Inc. is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.