Janitorial Insurance
Gain peace of mind with budget-friendly insurance for cleaning slip-ups, mishaps, and lost gear.
- Covers Slip & Fall Injuries – Protect your business if someone slips on a wet floor
- Qualify for Commercial Cleaning Jobs – Secure bigger, long-term contracts
- Get Bonded Against Employee Theft – Protect your business if something goes missing
4.7/5 on
Why Do Janitors Need Insurance?
Janitorial work might seem straightforward, but it comes with its fair share of risks. Accidents can happen whether you’re maintaining office buildings, schools, or medical facilities. From property damage to injuries or stolen equipment, one unexpected incident could lead to costly claims.
If you accidentally crack a client’s lobby mirror while buffing floors
General liability insurance helps cover the cost of repairs or replacements.
If someone slips on a freshly mopped floor
General liability coverage can pay for medical expenses and legal fees.
If a client claims your staff stole something from their office
Janitorial bonds protect your business against claims of employee dishonesty.
If your cart, vacuums, or floor machines are stolen from a job site
Tools and equipment coverage helps replace stolen gear so you can get back to work.
How Much Does Janitorial Business Insurance Cost?
Janitorial insurance starts at $39 a month or $435 per year. That’s less than the national average of $500 per year. You get quality coverage tailored to the janitorial industry, without overpaying.
Looking to save even more? Choose annual billing and save up to 12%. It’s a smart way to cut costs and secure a full year of uninterrupted protection, so you can focus on what you do best: keeping things spotless.
“Signing up was easy. It’ll give any client the comfort of knowing that you have coverage.”
Plus, it’s a good, affordable coverage that covers what I need. I definitely recommend it to people—including my son and those in other industries. I tell them to call Insurance Canopy and get covered, because it’s not overly expensive. When other people in the cleaning industry say they’re not insured, I say, “Why? It’s literally $39 per month.”
– Nicole H., Owner of Nothing But Perfection
Protected by Insurance Canopy Since 2022
Recommended Janitorial Insurance Coverages
To get the most from your janitorial business insurance policy, consider these essential coverages:
Included
General Liability Insurance
You often work in high-traffic areas, around valuable property, or with potentially hazardous cleaning products. General liability insurance protects janitorial businesses from third-party claims involving bodily injury, property damage, and personal or advertising injury.
General liability insurance covers:
- Medical bills if someone trips over your vacuum cord or slips on a wet floor
- Legal fees and settlements if a client sues your business for
- property damage
- Repair or replacement costs if your equipment damages a client’s walls, floors, or fixtures
This type of coverage is often required when bidding on commercial contracts, leasing workspaces, or partnering with property managers. It’s a foundational policy that helps you stay compliant, professional, and protected — no matter where your next job takes you.
Optional Add-On Coverages
Tools and Equipment Insurance
You depend on your cleaning gear to deliver efficient, high-quality service. Tools and equipment insurance (aka inland marine) protects these valuable assets while they’re in transit, stored, or on-site. This coverage safeguards against theft or damage caused by accidents, vandalism, or weather events.
Tools and equipment insurance covers:
- Damage while transporting or using your equipment
- Stolen tools or machines from your vehicle, storage, or job location
- Vandalism to your equipment when left unattended
Note: This insurance protects against theft or damage, but doesn’t cover mysterious or unexplained disappearance.
Workers Compensation
Janitorial work involves physical labor, moving heavy equipment, and handling chemicals — these tasks increase the chance of accidents or injuries on the job. Workers compensation protects your business by covering medical bills and wages if an employee gets hurt while working.
Workers compensation covers:
- Medical treatment for injuries or illnesses from work
- Rehabilitation and physical therapy
- Partial wages while employees recover
- Legal fees if your business faces claims related to workplace injuries
- Disability payments and survivor benefits
It doesn’t cover injuries caused by employee intoxication, accidents outside of work, or claims from independent contractors.
Note: Workers comp is required by law in many states once you hire employees.
Commercial Auto Insurance
You drive between job sites, haul heavy equipment, and often work outside of regular business hours. Commercial auto insurance protects janitorial businesses from accidents, vehicle damage, and liability while driving for work.
Commercial auto insurance covers:
- Repair costs if your van is damaged in a collision while traveling to a client site
- Medical expenses and legal fees if your vehicle causes an accident that injures someone
- Theft or vandalism of cleaning equipment stored in your company vehicle
Personal auto insurance doesn’t cover work-related driving. You need a commercial auto policy to stay protected if you use your car for business — even just to get to job sites.
Janitorial Bonds
Even the most reliable teams can make costly mistakes. A janitorial bond protects you when your employee is accused of theft, keeping your clients confident and your reputation intact.
Here’s how it works:
- A client reports theft after a cleaning job
- The bond company investigates the claim
- If the claim is valid, the client gets reimbursed
- Your business pays the bond company back for the amount paid
This type of bond is often expected in commercial contracts and residential services. It signals professionalism, builds client trust, and can be purchased quickly online.
Additional Insureds
Adding an additional insured (AI) to your cleaning insurance policy helps you meet contract requirements and build strong business relationships. It does not change your coverage — it extends your policy’s protection to the AI for liability caused by your operations.
An additional insured is usually a property manager or building owner who wants to be protected under your general liability policy if something goes wrong during a job.
Tip: Most commercial cleaning contracts won’t move forward unless the property manager or homeowner’s association (HOA) is added as an additional insured. You can add one or multiple parties during checkout or from your customer dashboard anytime for $10 / year / AI.
Cyber Liability Coverage
If you collect payments online, use scheduling apps, or store client information digitally, you’re exposed to cyber risks. Cyber liability insurance protects your cleaning business from the financial fallout of cyberattacks like phishing scams, ransomware, or data breaches.
A single click on a fake email or a weak password can lead to stolen client information, legal claims, or major recovery costs. Cyber liability insurance can cover:
- Credit monitoring and notification costs after a breach
- Ransom payments if your systems are held hostage
- Public relations support to protect your reputation
- Legal fees, fines, and settlement costs
- Data recovery and system repairs
You don’t need to be a tech company to be a target. Cleaning businesses are often hit because they’re the least prepared. Even if you’re a solo cleaner with a basic website or payment processor, cyber liability coverage helps you bounce back from a digital disaster.
Coverage Limits for Janitor 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
$250
$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
Our coverage is designed specifically for cleaning professionals. With flexible options and competitive rates, Insurance Canopy helps you stay compliant and operate confidently. Get tailored insurance for janitorial businesses with Insurance Canopy — the smart choice to protect your business.
Covers Slip-and-Fall Injuries
Protect your business if someone slips on a freshly cleaned floor.
Qualify for Commercial Cleaning Jobs
Have the right insurance to secure bigger, long-term contracts.
Get Bonded Against Employee Theft
Build trust with coverage that protects clients if something goes missing.
135,000+ Small Businesses Trust Insurance Canopy
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TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
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Peter DAntoni
December 6, 2024Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
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November 12, 2024 -
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November 6, 2024 -
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Two Pour Girls Bartending
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Edward Findley
November 5, 2024 -
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November 3, 2024This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
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November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
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September 30, 2024 -
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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Alan Dynin
September 14, 2024 -
Had a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More
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September 6, 2024I am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More
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Dustin Price
September 6, 2024
-
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025 -
Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025 -
As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025 -
Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025 -
I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025 -
I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025 -
Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025
Questions About Janitorial Service Insurance
Is insurance for janitorial services effective immediately?
Yes! At Insurance Canopy, your janitorial insurance policy is effective instantly once your payment is processed.
Can I cancel my janitorial business policy at any time?
Yes, you can cancel your insurance at any time. However, with Insurance Canopy, policies are fully earned once coverage begins, so they’re generally non-refundable. Review your policy terms for refund eligibility to ensure a smooth process.
How do I file a janitorial business claim?
You can easily file a claim online through your customer dashboard by selecting the “File a Claim” option.
After submitting your claim, a claims adjuster will review the details and may contact you for additional information or documentation. The adjuster will guide you through the process, assess the claim, and work to resolve it as quickly as possible.
You’ll receive updates throughout to keep you informed every step of the way.
How do I renew my janitorial insurance policy?
Your policy will renew automatically to keep you continuously protected unless you choose to renew manually. We send email reminders so you won’t be caught off guard.
What happens if I have a janitorial business claim after I cancel my insurance?
If you file a janitorial business claim after canceling your insurance, it won’t be covered unless your policy remains active for a certain period and the incident happened during that time.
Insurance only offers protection while your policy is active, so continuous coverage ensures you’re always protected.
Clean With Confidence
