Janitorial Contractor Insurance
As a janitorial contractor, you play an essential role in keeping homes, offices, and commercial spaces clean, healthy, and presentable. From small residential jobs to large commercial contracts, your work helps create safe environments for clients and their customers. But along with that responsibility comes risk, and without the right insurance, one slip-and-fall claim, property damage incident, or theft accusation could threaten the future of your business.
Executive Choice Insurance offers tailored janitorial contractor insurance designed specifically for cleaning professionals. We help you protect your business, your team, and your reputation so you can focus on delivering exceptional service to your clients.
Why Janitorial Contractors Need Insurance
Janitorial businesses face unique risks every day:
- Slip-and-Fall Accidents: Wet floors, misplaced equipment, or cleaning supplies can lead to injuries and costly claims.
- Property Damage: Accidentally damaging a client’s furniture, flooring, or equipment can result in expensive repairs or replacements.
- Theft Accusations: Even if your employees are innocent, claims of missing property can lead to costly legal disputes.
- Employee Injuries: Cleaning work can involve heavy lifting, repetitive motion, or exposure to chemicals, all of which increase the risk of workplace injuries.
- Contractual Requirements: Many commercial clients require proof of insurance before signing a cleaning contract.
Without the proper coverage, one unexpected event can result in lawsuits, financial losses, or lost business opportunities.
Key Insurance Coverages for Janitorial Businesses
To fully protect your janitorial business, you need a comprehensive insurance package that covers the risks specific to your operations. Here are the essential coverages we recommend:
General Liability
Insurance
General liability insurance is the backbone of janitorial business coverage. It protects you from third-party claims of bodily injury, property damage, or personal injury. For example, if a client slips on a wet floor you just cleaned or if you accidentally break a valuable item, general liability insurance helps cover medical expenses, repair costs, and legal fees.
Workers' Compensation Insurance
If you have employees, workers' compensation insurance is required in most states. It covers medical costs, rehabilitation expenses, and lost wages if an employee is injured while working. It also provides death benefits to the employee’s family in the event of a fatal accident.
Commercial Auto
Insurance
Your business vehicles, whether they’re transporting workers, equipment, or supplies, need to be protected. Commercial auto insurance covers your vans, trucks, or cars in case of an accident, theft, or damage. It also protects you from liability if your driver causes injury or damage while on the road.
Tools & Equipment Insurance
Janitorial contractors rely on specialized equipment like floor buffers, carpet cleaners, vacuums, and cleaning supplies. Tools and equipment insurance (sometimes called inland marine insurance) protects these assets from theft, loss, or damage, whether they’re at a client site, in transit, or storage.
Janitorial Bond
A janitorial bond, or fidelity bond, protects your clients if one of your employees is accused of theft or dishonest behavior. Many commercial contracts require bonded cleaning companies to ensure client peace of mind and build trust.
How Much Does Janitorial Insurance Cost?
The cost of janitorial contractor insurance depends on factors such as:
- Business size and number of employees
- Annual revenue
- Types of services offered (residential, commercial, specialized cleaning)
- Value of equipment and vehicles
- Claims history
- Coverage limits and deductibles
On average, janitorial contractors pay around $600 to $3,000 per year for general liability insurance. Adding workers’ compensation, commercial auto, tools & equipment coverage, and a janitorial bond will increase your overall cost, typically bringing the total to $3,000 to $7,000 or more per year, depending on your business size.
Executive Choice Insurance works with multiple carriers to help you secure the best coverage at the most competitive price.
Certificates of Insurance for Cleaning Contracts
Commercial clients, property managers, and government agencies typically require a Certificate of Insurance (COI) before signing a contract. This document proves that your business is properly insured, giving clients confidence that you can handle the job responsibly.
At Executive Choice Insurance, we prioritize fast COI delivery so you can meet client requirements, secure new contracts, and avoid delays.
Why Choose Executive Choice Insurance for Your Janitorial Business
At Executive Choice Insurance, we understand that janitorial contractors need more than just basic insurance, you need coverage tailored to the realities of your work.
Industry Knowledge
We specialize in contractor and service business insurance, including janitorial operations.
Customized Solutions
We create insurance packages tailored to your services, team size, and client needs.
Access to Top Carriers
We work with multiple insurers to secure the best rates and comprehensive coverage.
Responsive Service
We deliver fast quotes, same-day COIs, and hands-on claims support when you need it most.
Client Confidence
With the right insurance, you show clients you’re a responsible, professional partner they can trust.
FAQs About Janitorial Contractor Insurance
Yes, even in residential settings, you face liability risks, and homeowners may request proof of insurance.
No, but many commercial clients require bonded cleaning companies for added protection and trust.
Executive Choice Insurance provides COIs quickly, often within the same business day.
No, you’ll need a janitorial bond to protect your business from employee dishonesty claims.
Get a Free Janitorial Insurance Quote Today
Protect your janitorial business with insurance that works as hard as you do. Contact Executive Choice Insurance today for a free, no-obligation quote, and let us help you build a customized insurance package that safeguards your business, your team, and your future.
Contact Executive Choice Insurance today and empower your business with the right protection. When you’re covered, you’re unstoppable.
Coverage availability, limits, costs, and legal requirements may vary by state, industry, insurer, and project type. This content is for informational purposes only and does not constitute legal or insurance advice. Please consult with Executive Choice Insurance to discuss your specific business needs and receive tailored guidance.