(888) 900 0205What Is Janitorial Liability Insurance
Janitorial liability insurance protects cleaning businesses against claims of bodily injury, property damage, and other risks related to their daily operations. It covers legal fees, medical costs, and potential settlements if your business is sued, helping to safeguard your finances and reputation.
Janitorial Liability Insurance
What's Covered:
-
Bodily Injury
-
Property Damage
-
Legal Defense Costs
-
Medical Payments
-
Advertising Injury
What's Not Covered
-
Employee injuries (that's workers' comp)
-
Damage to your own equipment
-
Professional errors
-
Intentional damages
Is Janitorial Liability Required?
Requirements for janitorial liability insurance depend on your location.
States like California, Florida, and Texas might not strictly require it, but local governments or contracts usually do.
If you're looking to land contracts with commercial clients, apartments, or public buildings, insurance is often non-negotiable.
Even without a legal mandate, skipping insurance can be a bad move—one slip-and-fall could seriously hurt your wallet. So, maybe it's not always legally required, but you'll probably need it anyway if you plan on doing business smoothly and securely.
What Else Is Needed
How Much Is Janitorial Liability Insurance?
-
Typically $499-$830/year
-
Depends on business size and operations
-
Factors include number of employees, claims history
-
Discounts available with bundles
How to Buy
-
Assess your business risks (what you do)
-
Gather necessary business documents (EIN number, Legal name)
-
Compare multiple quotes (We will do it for you)
-
Choose coverage that fits your business (Do you have insurance requirements?)
- Call us - 888-900-0205
Janitorial Liability Insurance Questions
Does Janitorial Liability Insurance cover subcontractors?
Usually no, subcontractors typically need their own coverage.
Can coverage be adjusted as my business grows?
Totally! Your policy can grow with your business.
What happens if I don't have insurance?
Without insurance, you're personally liable for any claims.
Is insurance required if I'm a solo janitor?
Not always, but clients usually prefer insured businesses.
Do I need separate policies for each location?
Usually one policy can cover multiple locations.