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.
- Wallet-Friendly Coverage
- Built for Small Businesses
- Instant Proof of Insurance!
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 $39 a month. Our premiums are among the most affordable in the industry — without skimping on coverage.
Our quick, 100% online application delivers a personalized quote in less than 5 minutes. Enjoy instant coverage at your convenience!
Save when you choose annual!
Save up to 12% when you choose annual payments. This option not only reduces costs for your business, but also secures a full year of protection, so you can enjoy the peace of mind that comes with uninterrupted coverage.
“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
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
For janitorial businesses with employees, workers compensation is a must. It steps in to cover medical bills and lost wages when an employee gets injured on the job.
Slipping on a freshly mopped floor, pulling a muscle while lifting heavy equipment, or getting a reaction from strong cleaning chemicals all are accidents that could occur. Workers comp helps ease the potential financial burden.
Not only is it required in most states, but it also sends a clear message to your team: you’ve got their back when something goes wrong.
Commercial Auto Coverage
Having commercial auto insurance is crucial for janitorial businesses. Whether you’re transporting cleaning supplies, hauling equipment like floor buffers and vacuums, or moving your team between offices and job sites, accidents on the road are always a possibility.
Commercial auto insurance covers vehicle damage, medical bills, and liability claims — whether it’s a minor parking lot scrape or a major collision. Most personal auto policies don’t cover business use, and in many states, commercial auto insurance is required by law.
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
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
$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
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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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
Chad Laibly
January 6, 2025Great and affordable insurance
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
Paul McNeilly
November 12, 2024 -
I’m just saying that is easy to get the vendors insurance with this company
Silvia Delgado
November 6, 2024Definitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More
Robert Avila
November 6, 2024Your site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More
Rebecca Ruby
November 6, 2024 -
Quick easy sign-up convince is great
Vincent Davanzo
November 6, 2024Great to work with. Always available for assistance.
Two Pour Girls Bartending
November 6, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Great to work with. Always available for assistance.
Courtney Araneo
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
Vickie Sundgren
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith Jr
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
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.
Mark Paquin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024She is positive and friendly !
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
Paul Tolle
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
Don Kirby
September 6, 2024Best price I have found! Excited to be a customer
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
Got Questions? We’re on it.
Is my janitorial insurance policy effective immediately?
Yes, it sure is! You get to choose when your janitorial policy starts while you’re buying it. Coverage kicks in right after you finish your purchase, and you even get a nifty badge to show your janitorial business is insured!
Can I cancel my janitorial business policy at any time?
You may cancel your janitorial insurance policy at any time, but there is no money-back guarantee on months that you have already paid for. At Insurance Canopy, once you’re covered, you’re covered—our policies are 100% non-refundable. That means, in general, once your policy starts, you can’t cancel it for a refund. However, there are a few rare exceptions.
The one major exception is if one of our compliance officers decides your business doesn’t meet our policy standards within three business days of purchase. In that case, it’s like your policy never existed, and you’ll get a full refund.
How do I file a janitorial business claim?
Filing a janitorial business claim with Insurance Canopy is easy. Here’s what to do:
- Make a Report: If something happens, like theft or property damage, report it to the appropriate authorities. Gather important details such as dates, locations, and contact information for everyone involved.
- Gather Paperwork: Get all the necessary documents ready, like your insurance policy details, receipts for damaged or stolen items, and any incident reports.
- Submit a Claim Online: Log in to your user account, go to the “Manage Policies” section, and click on “File A Claim.” Fill in the required information and submit your claim. Most claims are processed within 24–48 hours.
If you have any questions or need help, our team is here for you. Just reach out!
How do I renew my janitorial insurance policy?
Renewing your janitorial business insurance with Insurance Canopy is a breeze thanks to our EZ-Renew feature, which automatically renews your policy each year. If you prefer not to use EZ-Renew, you’ll need to fill out a new application to continue your coverage.
As your business grows, our support team is here to help. Need to tweak your coverage limits, shuffle around some coverages, or adapt to new client demands? Just contact our support team, and we’ll ensure your policy grows right alongside your business.
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.
Our team is always ready to help answer your questions. Smile included.
Want to talk to a real person? We do that too.
Monday to Friday, 9 am – 5 pm MDT
(se habla español)
Clean with Confidence – We’ve Got the Coverage.
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