Janitorial Insurance

Customized Insurance For Your Janitorial Business

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Tailored Janitorial Business Insurance

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

For example, what happens if you accidentally spill cleaner on $2,000 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.

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What Insurance Coverage Do Janitorial Services 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.

We also make it possible to pick and choose the kind of coverage you want, giving you the kind of flexibility and freedom you won’t find at your local brokerage.

Wondering what kind of janitorial insurance you need? Given the unique risks that you probably face on a daily basis, we usually recommend these janitorial insurance requirements:

Janitorial Liability Insurance

Janitorial liability insurance - also known as commercial general liability (CGL) or general liability - protects you and your business from claims and costs associated with:

  • Accidents
  • Property damage
  • Client lawsuits

Let’s take a look at a few examples of what janitorial liability insurance looks like in action:

  • You’re cleaning your client’s windows when you actually knock over a computer monitor on a nearby desk. Normally, you’d have to pay for the monitor out of your own pocket - but luckily, your janitorial liability insurance policy covers the cost of replacing the monitor.

  • You accidentally lose the keys to your client’s office. A few weeks later, the office is broken into - with the keys you lost. If your client sues you for negligence, your janitorial liability insurance can cover the costs of replacing any stolen property, as well as legal fees.

  • You forgot to post a warning sign when you were cleaning the floors in an office’s main lobby. One of the client’s employees slipped on the wet floor and broke her wrist. If she decides to sue you for her medical bills, your janitorial liability insurance can cover these costs, as well as any legal fees associated with the claim.

Janitorial liability insurance usually doesn’t cover:

  • Workers compensation
  • Damage to your tools and transport
  • Professional services
  • Employment disputes

Learn more about how commercial general liability coverage can protect your janitorial business.

Janitorial Workers Compensation Insurance

As soon as you hire your first employee, you’ll need workers compensation insurance. This policy 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.

Most states require janitorial businesses to have workers compensation insurance, so you don’t want to be caught without it.

Learn more about workers compensation insurance and how it can protect your business.

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 specialities
  • And more

Want to find out how much your janitorial insurance will cost? Click here to answer a few questions so we can help you learn how much your policy might cost.