Janitorial Insurance for Small Businesses 
What type of insurance does a janitorial business need?
Janitorial Liability Insurance That Protects Your Staff, Equipment & Clients
Janitorial work often involves high-traffic areas, expensive equipment, and tight schedules, leaving little room for error. With janitorial insurance, you’re protected against property damage, slip-and-fall claims, and other job-related risks. Whether you clean offices, schools, or commercial spaces, insurance for janitorial services helps safeguard your business and support long-term success.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
What Does Janitorial Insurance Cover?
Janitorial insurance isn’t a single policy, it’s a package of protections designed for cleaning businesses.
Coverage often includes:
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General Liability Insurance – Covers third-party injuries or property damage.
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Workers’ Compensation – Provides medical coverage and wage protection for injured employees.
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Commercial Auto Insurance – Protects vehicles used for transporting crews, tools, or supplies.
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Business Owners Policy– General liability insurance and business equipment coverage all in one.
Why Is Janitorial Business Insurance Essential?
A spilled mop bucket, misplaced chemical, or scratched surface can create costly liability claims. Even minor accidents can escalate into lawsuits or contract losses. With Gild’s janitorial business insurance options, you will:
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Meet contract requirements by providing proof of insurance.
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Protect your finances from unexpected claims.
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Keep your staff and equipment covered through everyday risks.
What Affects the Cost of Insurance For Janitorial Services?
Most janitorial insurance policies range in cost depending on:
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Location
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Number of employees
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Type of cleaning services offered
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Annual revenue
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Claims history
Why Choose Gild for Your Janitorial Service Insurance?
At Gild, we simplify insurance for janitorial businesses by offering:
- Hassle Free Process: Get your free, online quote in minutes!
- Industry Expertise – Advisors who understand janitorial risks.
- Competitive Options – Access to multiple carriers for better pricing.
- Compliance Support – Help with contracts and proof-of-insurance requests.
The best way to find your janitorial insurance is to get a free, online quote in minutes!
Why Get Janitorial Liability Insurance?
Janitorial liability insurance provides essential protection by shielding your business from costly accidents and helping you build a trusted, professional reputation.
- Protect Your Business Assets: One major liability claim could lead to a costly lawsuit that threatens everything you’ve built. Insurance helps protect your finances and keeps your business running.
- Meet Client Requirements: Many commercial and government clients won’t hire you unless you have liability coverage. Having insurance ensures you can take on bigger jobs and more lucrative contracts.
- Stand Out From the Competition: Being insured shows clients you’re serious, professional, and prepared, helping you earn their trust and win more business.
- Protect Your Reputation: Showing that your business is insured gives clients confidence that you’re responsible and ready for anything, strengthening your reputation and credibility.
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get The Best Janitorial Insurance Today!
Your janitorial business is more than the services you provide. It is your livelihood and a trusted part of your clients’ daily lives. With Gild, you get more than a policy. You get a partner who understands service businesses and provides the tools and support you need to stay steady when the unexpected happens.
Frequently Asked Questions
Janitorial work often involves operating in client spaces after hours, handling chemicals, and using equipment that can cause damage if mishandled. Core coverages include:
- General Liability – protects against third-party injury or property damage claims.
- Workers’ Compensation – required in most states if you have employees, covering work-related injuries or illnesses.
- Commercial Property Insurance – protects business-owned equipment and supplies.
- Business Owner’s Policy (BOP) – combines general liability and property coverage into one policy.
Is liability insurance required for janitorial services?
While not always legally required, commercial clients nearly always demand it in contracts. For janitorial companies, liability insurance isn’t just a safeguard—it’s often your ticket to securing work.
It ensures you can take on bigger, higher-paying jobs without risking your business if an accident happens on site.
How much does janitorial insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Does janitorial insurance cover employee theft or accidental damage?
Yes! When your policy includes the right coverage:
- Employee theft – Employee dishonesty coverage can help reimburse losses if a worker is accused of stealing from a client site.
- Accidental damage – General liability insurance can help if your team accidentally damages furniture, electronics, or other property during cleaning.
These protections are vital because janitorial teams often work unsupervised in client facilities, making trust and liability coverage equally important.
Let's Get The Best Insurance Your Business!
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