Tailored Janitorial Insurance to Sweep Risks Away

Polish up your peace of mind with budget-friendly insurance for cleaning slip-ups, mishaps, and lost gear.

Starting At

$38.75/ month

or save 12% when you choose annual
4.8/5
janitor smiling while mopping

Why Do Janitors Need Insurance?

Janitors face various risks while performing their duties, including accidental property damage, bodily injuries, and theft of equipment. Without proper insurance coverage, these risks can result in significant financial losses and legal liabilities for your janitorial business. Check out common claims in the cleaning industry here!

If you break a client’s antique vase

Whoopsie-daisy! We’ll replace or repair the item in no time.

If a client trips over your vacuum cord

Ouch. We’ll pay the medical expenses for accidents on the job.

If you use the wrong cleaning chemical

That’s gotta sting! Don’t worry, we’ll handle the costs.

If your trusty mop and bucket get burnt to a crisp from fire damage

No need to panic, we’ve got your equipment covered and have you back cleaning in no time!

How Much Does Janitorial Business Insurance Cost?

Insurance for janitorial services costs start at $38.75 per month, but let’s break down what really affects that price:

  • Size of Your Business: Bigger team and revenue? Higher premiums.
  • Location: Your rates can vary based on where you operate and local risks.
  • Claims History: Had claims before? Expect those premiums to go up.
  • Coverage Limits: Need higher limits? That’ll add to the cost.
  • Additional Coverages: Extras like equipment insurance or workers’ comp will raise your premium.

Save when you choose annual!

Why juggle monthly payments when you can take care of it all at once? Save 12% when you pay $435 upfront for the year, and kick back with the peace of mind that your house cleaning insurance is all set. It’s like giving yourself a little gift of convenience!

What Does Janitorial Service Insurance Cover?

We recommend janitors to include several different coverages in their janitorial service insurance policy. Our recommended coverages include:

Included

General Liability Coverage

General liability insurance protects janitorial businesses from claims related to bodily injury, property damage, or personal injury that may occur during their work. For instance, if a client trips over equipment while the janitor is working on-site, general liability insurance can help cover medical expenses and legal costs associated with the incident. However, this coverage does not extend to you or your employees; it only protects clients or the public if they are injured on your property or as a result of your employee’s actions. General Liability also includes Public Liability Insurance for your cleaning business.

Add-Ons

Cyber Liability Coverage

If your janitorial business faces a cyberattack or data breach, this insurance covers the costs of getting back on your feet, like legal bills, notification expenses, and credit monitoring for affected individuals.

Tools and Equipment Coverage

Tools and equipment coverage, also known as inland marine, provides protection for the valuable equipment used by janitors. This insurance steps in when your trusty tools get damaged or stolen while on the job. With this insurance, you can keep your cleaning game strong without worrying about unexpected financial messes.

Janitorial Bonds

Janitorial bonds are ‘trust boosters’ for your cleaning business. They reassure your clients that you’ll stick to your promises and clean with integrity. If anything goes amiss, like a mishap or a missing item, the bond steps in to make things right.

Additional Insureds

Adding additional insureds is all about giving extra protection to your clients or landlords, so they feel safe and secure knowing they’re covered under your policy. This not only builds trust but also shows that you’ve got everyone’s back, making your business relationships rock-solid.

Workers’ Compensation Coverage (Coming Soon!)

Your cleaning crew is the heart and soul of your business. If they ever get hurt or sick while working, this insurance steps in to cover their medical bills, lost wages, and even helps with their recovery, ensuring they can scrub, mop, and dust with confidence.

Get notified when workers compensation is available in your state!

A sketched out arrow

What’s Not Covered with Janitorial Insurance?

When considering insurance for your janitorial business, it’s important to be aware of the following exclusions:

  • Water removal/extraction, mold remediation, fire, smoke, flood or other disaster services
  • Operations involving construction debris removal
  • Construction, maintenance, repair, renovation, or property preservation service
  • Cleaning of the exterior of buildings and/or power washing other than from the ground level
  • Chimney cleaning
janitor smiling
janitor with mop looking puzzled

How Do I Know What Insurance Coverage I Need?

Here are some tips to help you assess your Janitorial Insurance coverage needs based on your business size, equipment, and services offered.

New and Growing Businesses

For new and growing janitorial service teams with more frequent interactions and moderate risk. Perfect for businesses with 3-9 full-time employees, not including yourself. Let’s keep those mops spinning! Example: Your small but mighty crew tackling office buildings and light commercial spaces like pros. 

  • General Liability: $500,000 per incident / $1,000,000 per year.
  • Tools and Equipment Insurance: $2,000 per incident / $6,000 per policy year (+$4.58/month).

Established Business

Best for established janitorial business champions with a big client base and higher stakes. Ideal for larger operations with 10 or more full-time employees, not including yourself. Time to bring out the big guns! Example: A bustling operation with a crew of experts handling properties and complex jobs like a boss.

  • General Liability: $1,000,000 per incident / $2,000,000 per year.
  • Tools and Equipment Insurance: $5,000 per incident / $10,000 per policy year (+$5.00/month).

 

Note: Our coverage is available for businesses with payroll under $200K and annual revenue under $1.5M.

Janitorial Bonding

A janitorial bond provides an additional layer of protection for your clients, ensuring that they are compensated in case of theft or damage caused by your employees. Bonding is sometimes required for commercial or government janitorial contracts.

You have the option to:

  • Include: Adding a bond can enhance your business’s credibility and provide peace of mind to your clients, or if your contract requires it.
  • Opt out: If you have a strong reputation and trust with your clients, you might decide not to include a bond.

Coverage Limits for Janitorial Insurance

Maximum Cleaning Liability Insurance Limits

The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.

$2,000,000

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold, or distributed.

$2,000,000

The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.

$1,000,000

The amount that your policy will pay for claims arising out of one or more of the following offenses:

  • False arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful eviction or wrongful entry
  • Oral or written publications that slander or libels a person or organization
  • Oral or written publication or material that violates a person’s right of privacy
  • The use of another’s advertising idea in your advertisement

$1,000,000

Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.

$100,000

A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.

$5,000

Optional Coverage Options

Tools & Equipment Coverage

Limits / Occurrence / Aggregate

Premium 

Deductible

$1,000/$3,000

$40

$500

$2,000/$6,000

$55

$5,000/$10,000

$60

Have questions?

Our licensed agents are available to answer any questions you may have (se habla español)

Why Janitorial Professionals Choose Insurance Canopy

When it comes to safeguarding your janitorial business, there’s no room for compromise. That’s why janitor professionals across the country choose Insurance Canopy for peace of mind and reliable protection.

Insurance You Can Rely On

Instant Proof of Insurance & a hassle-free claims process = a zen policyholder 🙏

Simplified Coverage

Comprehensive, personalized insurance for your business – only pay for what you need

Expert Support

Chat with a responsive, multilingual team of experts who provide one-on-one support. For real!

Hear What Our Real Clients Have To Say

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  • Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

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    October 7, 2024
  • Rey was amazing. So easy! So fast!

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  • Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.

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  • She is positive and friendly !

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  • Affordable plan and very easy to access when I need it

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  • Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well

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    July 12, 2024
  • Always easy to use! Thank you!

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Clean with Confidence – We’ve Got the Coverage.

Related Articles

Exclusions

  • Exterior work over three stories (We’re afraid of heights!)
  • Subcontractor Issues: Accounts with subcontractor exposure that do not have the following risk transfer controls in place (excluded through Contractors Limitation):
    • Contracts in place with hold harmless and indemnification language in favor of the insured
    • Insured obtains Certificates of Insurance verifying that the subcontractor has liability limits equal to or greater than the insured
    •  Insured has Additional Insured status on the subcontractor’s insurance policy
  • Tainted Drywall, Flooring and Similar Products
  • Condominium, Townhouse or Tract Home Construction Projects
  • Exterior Insulation and Finish Systems
  • Subsidence of Land
  • New York Construction or Contracting
  • Metal Gas, Fume and Metal By-Product
  • Unmanned Aircraft
  • Damage to Work Performed by Subs
  • Operations or work involving scaffolding
  • Insurance claim response, water removal/extraction, mold remediation, fire, smoke, flood, or other disaster services
  • Operations involving construction debris removal