Janitorial Business Insurance

General Liability Insurance covers the costs associated with injuries or property damage caused during janitorial operations. This includes claims such as slipping on a freshly mopped floor or damage to customer furnishings while cleaning.

Whether your team works in office buildings, schools, or hospitals, this policy protects against lawsuits, settlements, and medical costs resulting from accidents. It’s often required to secure commercial cleaning contracts and work in shared tenant spaces.

General liability helps preserve client trust and shields your business from devastating legal expenses.

Inland Marine Insurance protects the portable cleaning equipment your staff relies on. From floor buffers and vacuums to carpet extractors and electrostatic sprayers, this coverage applies while tools are in transit, stored off-site, or in active use.

Standard commercial property insurance often excludes these items when they’re away from the business location. Inland marine fills that gap, ensuring you can quickly recover from theft, fire, vandalism, or transport-related damage.

Ideal for businesses servicing multiple buildings or transporting tools between job sites daily.

Commercial Auto Insurance is essential for janitorial businesses that use vans or cars to move crews and supplies between jobs. It protects company-owned vehicles from accidents, theft, and third-party liability claims.

Whether you’re transporting mops and cleaning solutions or industrial-grade vacuums, this policy ensures coverage in case of collisions or on-road incidents. Coverage also extends to non-owned or rented vehicles if added to the policy.

Most commercial clients require proof of auto insurance for vendors accessing their premises.

Workers’ Compensation Insurance provides medical care and wage replacement if your janitorial employees are injured on the job. Cleaning tasks often involve exposure to chemicals, repetitive strain, or slip hazards—making this coverage critical.

It protects your employees while also helping you meet legal requirements and avoid lawsuits. Whether your team is buffing floors overnight or working in a high-rise office, the policy ensures they’re covered if accidents occur.

It’s mandatory in most states once you hire your first employee, including part-time and seasonal workers.

A Janitorial Bond protects your clients if one of your employees commits theft or property damage while working at their site. This is often a required part of cleaning contracts with property managers, government agencies, or financial institutions.

It doesn’t replace insurance, but acts as a promise that your business is trustworthy and financially accountable for employee dishonesty. If a client files a claim, the bond compensates them while your business repays the bonding company.

Offering bonded cleaning services helps you stand out and build credibility in a competitive industry.