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Protect your commercial cleaning business from property damage, employee injuries, and theft claims. Janitorial insurance covers the unique risks of working in office buildings, schools, and medical facilities after hours.
Ready when your client needs it
Meets all state bonding requirements
Agents who know construction
Commercial janitorial work comes with serious liability exposure. You have keys to client buildings. You work after hours with no supervision. One employee theft claim, one chemical spill on expensive office carpet, or one slip-and-fall can cost you a contract and a lawsuit.
An employee spills undiluted cleaner on $20,000 worth of office carpet. Your janitorial liability insurance covers the full replacement cost.
A client claims cash is missing from a desk after your crew cleaned. Janitorial bond insurance covers the claim and protects your reputation.
A building employee walks around a wet floor sign, slips, and breaks their hip. Your janitorial business insurance covers medical bills and legal defense.
A floor buffer scratches marble lobby floors. Your janitorial insurance policy covers the restoration cost and any business interruption claims.
A complete janitorial service insurance program typically includes several policies working together. We bundle them to save you money and eliminate dangerous coverage gaps that could leave you exposed on a commercial contract.
Whether you’re doing office building cleaning, school janitorial, or medical facility sanitation, we have a janitorial insurance coverage program designed for your specific scope of work and risk profile, because a small office cleaner and a hospital janitorial contractor need completely different coverage.
Daily and weekly office cleaning, breakroom sanitation, restroom maintenance, trash removal
Classroom cleaning, gym floor maintenance, cafeteria sanitation, playground trash pickup
Exam room disinfection, waiting area cleaning, surgical suite sanitation, biohazard waste removal
Warehouse sweeping, factory floor cleaning, breakroom maintenance, restroom sanitation
Floor buffing, window cleaning, fitting room maintenance, checkout area sanitation
Courthouse janitorial, city hall cleaning, police station sanitation, public restroom maintenance
Every state has different requirements for janitorial licensing and insurance minimums. We help you stay compliant with state laws, and help you win contracts that require janitorial insurance and bonding like employee theft coverage and certificates of insurance.
Janitorial insurance cost depends on your annual revenue, number of employees, types of facilities you clean, and claims history. Office cleaning costs less than medical facility janitorial.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial Auto (per vehicle)
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
We compare rates across 20+ carriers to get you the best price for your trade.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial General Liability
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
Standard CGL limit required by most janitorial contractsRequired by most commercial contracts
COI issuance, Certificate of Insurance when you need it
Carrier partners, we shop for the best rate for your trade
Janitorial companies insured across the Southeast regionIn the Southeast region
Our streamlined process gets you covered fast, so you never miss a bid deadline or fail a job site insurance inspection.
Business license type, annual revenue, payroll, number of employees, and types of facilities you clean; offices, schools, or medical
We create a custom package across CGL, Workers' Comp, Commercial Auto, Inland Marine, and Bond based on your specific janitorial operations
Receive clear quotes from multiple A-rated janitorial insurance carriers, compare coverage limits, deductibles, and premium side by side
Bind coverage immediately and receive your Certificate of Insurance same day, ready for property managers, school districts, and commercial contracts
Yes, most commercial property managers will not hire an uninsured janitorial contractor. Additionally, your personal health insurance may exclude workplace injuries. Janitorial business insurance is essential even for sole proprietors.
General liability covers accidental damage, spilling chemicals on carpet. Bond coverage protects the client if your employee steals something. Janitorial insurance and bonding work together, most commercial contracts require both before you get building keys.
Yes, that’s exactly what general liability is for. Using the wrong cleaning solution that damages carpet, tile, or hardwood is covered under janitorial liability insurance. Always report chemical damage claims immediately to avoid business interruption.
Yes, we offer janitorial insurance quote tools online in under 10 minutes. Just tell us your revenue, payroll, facilities you clean, and claims history. Same-day binding and instant COI available. A quick call often saves you money.
We issue same-day Certificates of Insurance, often within an hour of binding your policy. School districts require COIs and bond coverage before your crew steps on campus. Janitorial service insurance is worthless if you can’t prove it before the job starts.
Specialized coverage for office building cleaners, retail store janitorial, and warehouse sanitation
Targeted coverage for classroom cleaning, gym floor maintenance, and cafeteria sanitation professionals
Specialized coverage for exam room disinfection, surgical suite sanitation, and biohazard waste removal
Coverage for warehouse sweeping, factory floor cleaning, and heavy-duty facility maintenance
Liability and tools coverage for new building cleanup and renovation dust removal specialists
Targeted coverage for commercial carpet cleaning, upholstery care, and stain removal professionals
Get a custom insurance package quote in minutes — designed for general contractors in the Southeast.
