Janitorial Liability Insurance for Property Damage &
Injuries
Janitorial liability insurance helps cover accidental damage or injuries that occur while you’re cleaning a client’s property.
If you damage flooring, break equipment, spill chemicals, or a client slips near your supplies, liability coverage helps pay for repairs or medical costs.
Many
commercial buildings, property managers, and facility directors require proof
of liability insurance before hiring a janitorial service.
Janitorial Business Insurance Built for Your Cleaning
Operations
Janitorial business insurance combines essential protections into one tailored package. It helps cover your tools, cleaning supplies, equipment, and day‑to‑day operations.
Whether you clean offices, retail stores,
industrial spaces, or residential properties, this coverage ensures your
business stays compliant, competitive, and protected from financial risk.
Coverage Options for Janitorial Insurance
We offer the core policies most janitorial businesses need to stay protected and meet client requirements:
General Liability (GL) – Protects against third‑party injuries and property damage that occur during your work.
Business Owner’s Policy (BOP) – Combines general liability with property coverage for equipment, supplies, and business contents.
Workers’ Compensation (WC) – Required in most states if you have employees; helps cover medical costs and lost wages after a workplace injury.
Business Equipment Protection (Inland Marine) – Covers tools and equipment while in transit or on job sites, protecting against theft, loss, or damage.
How the process works in three easy steps
1
Complete the App
Complete the 60‑second application
2
Secure your policy
We offer the lowest rate available
3
Flexible options for any business
Choose coverage that fits your business, same day certificates (COI).
Why Choose Us?
Specialized coverage tailored to your business
Trusted by businesses and organizations
Fast, simple, stress‑free policies
- Flexible options for every type of business
- Fast Insurance for AZ Small Businesses
Top questions answered
Our most common questions answered efficiently.
A BOP is helpful for janitorial companies that store equipment, maintain a workspace, or want bundled liability and property coverage. However, many small or mobile janitorial businesses only need general liability and tools coverage. A BOP is optional—not required—but valuable for those with physical assets to protect.
Most janitorial companies start with general liability insurance, which covers property damage and injuries. Many also add inland marine for tools, commercial auto for work vehicles, and workers’ compensation if they have employees.
Costs vary based on your location, business size, and services offered. Most small janitorial businesses pay an affordable monthly rate, while those handling large commercial or industrial cleaning may pay more due to increased risk.
While not always legally required, most commercial buildings, facility managers, and cleaning contracts require proof of liability insurance before allowing janitorial services to begin work. It also helps you win more jobs by showing professionalism and reliability.
