Janitorial Insurance

Janitorial services play a vital role in maintaining cleanliness and hygiene across commercial and residential properties. Whether you're a one-person operation or managing a growing team, working in other people’s spaces comes with inherent risks. From accidental property damage to employee injuries, janitorial insurance is essential for protecting your business from financial loss and liability claims.

What is Janitorial Insurance?

Janitorial insurance refers to a combination of insurance policies tailored to meet the specific needs of cleaning professionals and businesses. This coverage helps safeguard against common risks in the cleaning industry, including:

  • Third-party injuries

  • Property damage

  • Employee injuries

  • Stolen or damaged equipment

  • Claims of negligence or poor service

Who Needs Janitorial Insurance in Florida, Georgia, Louisiana, North Carolina, Texas?

  • Independent cleaning contractors

  • Commercial and residential cleaning businesses

  • Maid services

  • Carpet and floor cleaners

  • Window washers

  • Specialized cleaning service providers (e.g., post-construction cleanup)

Whether you clean homes, offices, schools, or medical facilities, insurance helps establish professionalism while protecting your livelihood.

Core Coverages in Janitorial Insurance

  1. General Liability Insurance
    This foundational coverage protects against claims of bodily injury or property damage caused by your cleaning operations. For instance, if a customer slips on a wet floor or a valuable item is accidentally broken, general liability insurance can cover legal and medical costs.

  2. Workers’ Compensation Insurance
    Required in most states if you have employees, workers’ comp covers medical bills, rehabilitation, and lost wages if an employee is injured on the job — such as slipping on a wet surface or suffering from chemical exposure.

  3. Commercial Property Insurance
    If you own or lease a space, or store cleaning supplies and equipment, this policy protects against loss due to fire, theft, or vandalism.

  4. Business Owner’s Policy (BOP)
    A BOP bundles general liability and property insurance at a lower cost than purchasing each separately. It’s ideal for small to mid-sized janitorial businesses.

  5. Janitorial Bond (Surety Bond)
    Often required by clients, a janitorial bond reimburses them if one of your employees is accused of theft or dishonest conduct while on the job.

  6. Commercial Auto Insurance
    If your business uses vehicles to transport staff or supplies, commercial auto insurance is necessary. It covers accidents, damage, and liability involving business-use vehicles.

  7. Equipment Breakdown or Inland Marine Insurance
    These optional coverages protect high-value tools and machines, such as carpet cleaners or floor buffers, especially when they’re transported between job sites.

Running a cleaning business involves more than just keeping spaces spotless — it also means managing risks. Janitorial insurance provides essential financial protection and peace of mind, allowing you to focus on growing your business with confidence.

We would love the opportunity to answer your questions and help you find the appropriate coverages. With the right protection in place, your janitorial business will be well-positioned for success and sustainability.  229-244-0222