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What types of insurance do janitors need?
These policies provide coverage for common risks faced by janitorial businesses.
General liability insurance
This policy protects janitorial businesses against basic risks, such as client injuries or property damage during cleaning. Add lost key coverage for more complete protection.
BEST FOR
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Slip-and-fall accidents
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Third-party damage
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Libel or slander lawsuits
Workers’ compensation insurance
Workers’ compensation insurance is required in almost every state for janitorial service businesses that have employees. It can cover medical bills for work-related injuries.
BEST FOR
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Employee medical expenses
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Employee medical expenses
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Legal bills
Commercial auto insurance
This policy covers injuries and property damage in accidents involving a janitorial company's vehicle. It also covers vehicle theft, vandalism, and weather damag
BEST FOR
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Physical damage and collision coverage
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Injuries caused to another person
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Theft and repairs due to vandalism or weather
Janitorial bonds
Janitorial bonds are a type of surety bond that protect your clients from financial loss. They can provide reimbursement if a janitor steals money or property from a client.
BEST FOR
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Client accusations of theft
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Theft of money
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Stolen property
How much does insurance cost for cleaning professionals?
Workers’ compensation insurance is required in almost every state for jewelry stores that have employees. It can cover medical costs for work-related injuries.
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Several factors will have an impact on insurance costs, including:
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Cleaning services offered
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Business equipment and property
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Revenue
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Location
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Number of employees
Why do janitors need insurance?
Janitorial businesses face multiple risks. An employee could suffer a back injury while loading a van, a client could slip on a freshly mopped floor, or an employee could steal money from a client’s office. Janitorial insurance can cover these and other liability issues.
