Janitorial Insurance
The Insurance Marketplace for Cleaning Businesses and Janitorial Services
Insurance Canopy & Janitorial Insurance
As a trained professional, you do your best to keep your clients safe and satisfied. However, your cleaning business faces risks every day, such as spills and stains from cleaning solutions, damage to a client’s possessions or property, and slip-and-fall accidents. You never know when an accident could sweep your financial resources away. Janitorial liability insurance can protect you in case an accident happens. We offer janitor & custodial services insurance policies at an affordable price, and our licensed insurance agents are available to answer any questions you may have about purchasing a policy. Contact us today to get insurance for your residential or commercial janitorial business.
Download Proof of Insurance
With our user-friendly portal, you can download proof of insurance and certificates immediately after purchase! Documents are available 24/7 to redownload.
Purchase Tools & Equipment Coverage
Ensure all of your supplies and equipment receive the same coverage. Add Tools & Equipment Coverage to your policy today.
Clean With Confidence
You work hard daily to build your janitorial business. The best way to protect your business is to carry quality insurance, which may cover a third-party claim.
Get Peace of Mind with $2M in General Liability
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Our licensed agents are available to answer any questions you may have (se habla español)
Coverage Details
Maximum 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
Janitorial Additional Insureds
Janitorial Insurance customers also have the option to add additional insureds to their coverage for $50. Third parties may want to be added to your insurance policy by endorsement so that your policy may protect them from third-party claims arising out of your negligence. This means that you can add property management or HOA’s to your insurance policy so they can receive protection if they are named in a suit due to a covered business-related loss or claim you have caused.
Policy Date & Cancellations
- Policy Date: Your policy coverage begins on the date that you set as the effective date. The policy effective date is set when you are purchasing your policy.
- Cancellations: You may cancel your Insurance Canopy policy at any time, but there is no money-back guarantee on months that you have already paid for.
Digital Insurance Certificate
Create transparency with your customers and show them they are working with a true professional, with coverage. Insurance Canopy customers can easily access their certificate of insurance online and move forward with the job at hand. We also offer a site seal that you can display on your website, business card, or wherever else you’d like to show your customers that you are insured.
Questions About Janitorial Insurance
Insurance for janitorial businesses is designed to cover claims related to the daily operations of your cleaning business. For example, if your client slips and falls, insurance could help cover the medical costs of these unexpected claims. If you didn’t have an insurance policy in place, your company would have to pay hefty out-of-pocket expenses that could put your company’s financial health at risk. Rest easy with Insurance Canopy knowing that you have janitorial insurance.
Janitorial insurance coverage provides coverage for general liability, damage to premises rented, personal and advertising injury, medical expenses, and more.
As a business owner, you face a variety of risks. Janitorial service insurance is an essential piece of any company’s business strategy. One unfortunate incident can lead to an expensive lawsuit costing your business thousands of dollars.
With the help of insurance, you can financially safeguard your business if you were to face a third-party claim. You can perform your services with peace of mind and know that you have a janitorial liability insurance policy in place.
Janitorial insurance from Insurance Canopy starts at $26.67 per month, although the total monthly cost varies depending on your specific situation and the amount of coverage you require.
The price of your insurance policy will depend on a few factors, such as the size of your business, annual employee payroll (including owner), desired coverage amounts and limits, and the state where your business is located.
Instead of requesting a janitorial insurance quote, you will fill out a simple application online in ten minutes. When you complete your application, you’ll be quoted a monthly price that includes coverage options tailored to your needs. Upon purchasing, you will receive instant access to your policy documents and immediate proof of insurance.
You may be required to have insurance in order to obtain a business license in your state. While some states do not require janitors to have a trade license, there are many that do. Insurance coverage can also instill confidence in your current and potential clients.
- Property managers and owners may require that you provide proof of insurance before they sign a contract with you.
- Liability insurance provides a layer of defense against claims such as bodily injury or property damage claims.
- If you use or transport your equipment to multiple locations, you will want to protect it against theft, damage, or loss with additional inland marine coverage.
- Financial peace of mind. When an accident occurs, you won’t need to worry because Insurance Canopy has you covered. You’ll already have a policy in place, and you won’t be scrambling to try and find coverage.
- Your customers will be able to rely on you more because businesses that are insured come off as more credible and trustworthy. This trust instilled in your customers helps you to do your job better and keep your clients satisfied.
Insurance for janitorial businesses covers residential and small commercial cleaning businesses, such as janitors, maids, and housekeeping cleaners. Janitor insurance covers several risks that you face on the job every day as a cleaning professional, including the common risks we talked about earlier. The following coverages are included in an Insurance Canopy policy:
- General liability coverage: You have a $2,000,000 general aggregate, and $1,000,000 limit for each occurrence. This means that if one of your clients files a claim, you can be covered for up to $1,000,000.
- Products & Completed Operations Aggregate: This is 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, what’s not included in this policy is products that are sold, or distributed.
- Damages to Premises Rented: This applies to damage to premises rented to the insured and to damage regardless of cause to premises occupied by the insured for seven days or less.
- Personal and Advertising Injury Coverage: This includes coverage for claims of false arrest, detention or imprisonment, malicious prosecution, oral or written material which damages someone’s reputation, and violations of the right to privacy. It also provides coverage for claims of false advertising or for stealing someone else’s idea, logo, or other intellectual property. The cost for this also depends on the policy selection.
Purchasing an insurance policy for your janitorial business is simple and takes less than ten minutes. Instead of receiving a janitorial insurance quote, you fill out an application online and provide information about your business. Some of the questions include how many employees you have, what state your business operates in, and more. When you have finished your application, you will be able to review the total amount that you will be paying each month.
Yes, Insurance Canopy offers cleaning bonds! You can now easily purchase bonding after you complete your cleaning insurance policy purchase. When you log in to your customer dashboard, you can edit your policy options and choose an affordable bonding policy for your cleaning business.
We offer 2 janitorial bond limits, both with affordable annual pricing! Choose the right limit to cover your business needs. Get a $10,000 bond from $181 / year or select a $5,000 Bond from $134 / year. These can be found in your customer dashboard after you purchase your general liability policy.
Choosing the right insurance is critical.
Need additional information before making a decision?
Give our team a call today at 844.520.6993.
Janitorial Insurance
Monthly Policy: Starting at $26.67/month – Protect your business and equipment with complete janitorial business insurance! Work with our experts that understand possible claims you will face! Let us be your resource and answer any questions you may have.
Learn More About Insurance for Cleaning Businesses
Insurance Canopy can get you insured today in less than 10 minutes!
Janitorial Insurance
Licensed in 49 States
(sorry currently steam cleaning Missouri)
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