Janitorial business insurance

Liability insurance for janitors

Keeping your clients’ offices and businesses squeaky clean is what you do as a professional janitor. But what happens when someone has an accident because of your work? A fall on a wet floor or a tumble down the stairs because of a waxed handrail could lead to a hefty claim.

Without insurance, you’re risking more than just your reputation. When you’re hit by a claim, you’ll also have to front the bill for legal fees, damages, compensation, and more, if you’re liable.

And the amount of money involved might even wipe the floor with your business.

Janitors’ insurance covers all these costs for you. So when something goes wrong, your janitorial business liability insurance protects you.

Like that mask you wear when you’re cleaning up hazardous materials. Janitorial cleaning insurance protects your business. So you can focus on more important things.

• Why do janitors need insurance?

  Accidents are common in the janitorial industry. Especially property damage and falls.

  It’s easy to see why. To start, you’re visiting a client’s business premises, which opens you up to a lot of risks. You could easily knock over some expensive equipment or forget to put a wet floor sign up.

  If you’re found to be liable for an accident, it’s on you to sort out the costs of any claims. Without the right insurance in place, that means any legal fees, medical bills, and damages fall squarely on your shoulders.

  That’s why it pays to have the right janitors’ insurance.

  Read more about what you're covered for with janitorial general liability insurance.

• What type of insurance do janitors need?

  Aside from janitorial general liability insurance, there are a few different policies that you should think about. Depending on your business, you might not need all of these. Your requirements will change based on whether you have any employees, the kind of equipment you use, and more.

  Workers' compensation insurance covers you if your staff are injured in the workplace. The majority of states require you to have workers’ comp in place as soon as you hire someone. It’ll cover their medical bills, lost wages, and legal costs. So you’re protected from these costs, whoever’s at fault.

  Employment practices liability insurance protects you when an employee sues you for employment-related issues. Like unfair dismissal, sexual harassment, or discrimination. Workers know their rights, so it’s a good idea to be properly covered.

  Cyber insurance might not seem necessary for a janitorial business. But if you store your client’s or employee’s personal data, you could be targeted by a cybercriminal. More and more small businesses are being targeted by cyber-attacks, leading to data breaches. Without the right cover in place, you could face steep legal costs and hefty compensation.

  Read more about janitorial business insurance requirements

• How much does janitorial company insurance cost?

  The cost of your janitorial insurance depends on a variety of different things. The size of your business, whether you have any employees, just to name a couple.

  Our guide on janitorial insurance costs gives you a lot more detail. It has all the information you need on what can change the price, the differences between commercial and domestic janitor costs, and more.

  Because of that, it’s difficult to say how much janitorial insurance will cost. The easiest way to find out is to get a quote. This only takes a few minutes and will give you a much better indication of how much you’d have to pay.

What other kinds of insurance do cleaning professionals need?