Janitorial Insurance
4.8/5 on
- Cover Slips, Falls, & Property Damages
- Qualify for Commercial Cleaning Jobs
- Get Bonded Against Employee Theft
- A-rated Carrier
Why Do Janitors Need Insurance?
Janitorial work might seem straightforward, but it comes with its fair share of risks. Accidents can happen whether you’re maintaining office buildings, retail spaces, or medical facilities. From property damage to injuries or stolen equipment, one unexpected incident could lead to costly claims.
If you accidentally crack a client’s lobby mirror while buffing floors, general liability insurance can help cover repair costs
If someone slips on a freshly mopped floor, general liability coverage can pay for medical expenses and legal fees
If a client claims your staff stole something from their office, janitorial bonds help protect your business against claims of employee dishonesty
If your cart, vacuums, or floor machines are stolen from a job site, tools and equipment coverage can help replace stolen gear so you can get back to work
How Much Does Janitorial Business Insurance Cost?
The cost of janitorial insurance starts at $39 a month, giving you reliable coverage that costs less than the national average.
Look to save more? Choose annual billing and save up to 12% on uninterrupted protection for as low as $425 per year. It’s a smart way to cut costs and focus on what you do best: keeping things spotless.
Coverage Limits for Janitor Insurance
General Aggregate
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
$2,000,000
Products & Completed Operations Aggregate
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold, or distributed.
$2,000,000
Each Occurrence Limit
The maximum amount your policy will pay annually for claims of bodily injury or property damage due to an incident that occurred with a product during or after your class, such as a faulty piece of equipment injuring a client.
$1,000,000
Personal & Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
Damage to Rented Premises Limit
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
Medical Expense Limit
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
$ 5,000
Limits / Occurrence / Aggregate
Premium
Deductible
$1,000/$3,000
$40
$250
$2,000/$6,000
$55
$5,000/$10,000
$60
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
Being an insured and bonded janitor has its perks. Insurance Canopy makes it easy to get the coverage your business needs at an affordable price. Purchase your janitorial insurance policy online today!
Recommended Janitorial Insurance Coverages
Our cleaning business insurance offers general liability coverage required for client contracts. We recommend adding extra coverage for worker injury, employee dishonesty, and theft or loss of supplies. Review excluded activities before purchasing.
You often work in high-traffic areas, around valuable property, or with potentially hazardous cleaning products. General liability insurance protects janitorial businesses from third-party claims involving bodily injury, property damage, and personal or advertising injury.
General liability insurance covers:
- Medical bills if someone trips over your vacuum cord or slips on a wet floor
- Legal fees and settlements if a client sues your business for
- property damage
- Repair or replacement costs if your equipment damages a client’s walls, floors, or fixtures
This type of coverage is often required when bidding on commercial contracts, leasing workspaces, or partnering with property managers. It’s a foundational policy that helps you stay compliant, professional, and protected — no matter where your next job takes you.
You depend on your cleaning gear to deliver efficient, high-quality service. Tools and equipment insurance (aka inland marine) protects these valuable assets while they’re in transit, stored, or on-site. This coverage safeguards against theft or damage caused by accidents, vandalism, or weather events.
Tools and equipment insurance covers:
- Damage while transporting or using your equipment
- Stolen tools or machines from your vehicle, storage, or job location
- Vandalism to your equipment when left unattended
Note: This insurance protects against theft or damage, but doesn’t cover mysterious or unexplained disappearance.
Janitorial work involves physical labor, moving heavy equipment, and handling chemicals — these tasks increase the chance of accidents or injuries on the job. Workers compensation protects your business by covering medical bills and wages if an employee gets hurt while working.
Workers compensation covers:
- Medical treatment for injuries or illnesses from work
- Rehabilitation and physical therapy
- Partial wages while employees recover
- Legal fees if your business faces claims related to workplace injuries
- Disability payments and survivor benefits
It doesn’t cover injuries caused by employee intoxication, accidents outside of work, or claims from independent contractors.
Note: Workers comp is required by law in many states once you hire employees.
You drive between job sites, haul heavy equipment, and often work outside of regular business hours. Commercial auto insurance protects janitorial businesses from accidents, vehicle damage, and liability while driving for work.
Commercial auto insurance covers:
- Repair costs if your van is damaged in a collision while traveling to a client site
- Medical expenses and legal fees if your vehicle causes an accident that injures someone
- Theft or vandalism of cleaning equipment stored in your company vehicle
Personal auto insurance doesn’t cover work-related driving. You need a commercial auto policy to stay protected if you use your car for business — even just to get to job sites.
Even the most reliable teams can make costly mistakes. A janitorial bond protects you when your employee is accused of theft, keeping your clients confident and your reputation intact.
Here’s how it works:
- A client reports theft after a cleaning job
- The bond company investigates the claim
- If the claim is valid, the client gets reimbursed
- Your business pays the bond company back for the amount paid
This type of bond is often expected in commercial contracts and residential services. It signals professionalism, builds client trust, and can be purchased quickly online.
Adding an additional insured (AI) to your cleaning insurance policy helps you meet contract requirements and build strong business relationships. It does not change your coverage — it extends your policy’s protection to the AI for liability caused by your operations.
An additional insured is usually a property manager or building owner who wants to be protected under your general liability policy if something goes wrong during a job.
Tip: Most commercial cleaning contracts won’t move forward unless the property manager or homeowner’s association (HOA) is added as an additional insured. You can add one or multiple parties during checkout or from your customer dashboard anytime for $10 / year / AI.
If you collect payments online, use scheduling apps, or store client information digitally, you’re exposed to cyber risks. Cyber liability insurance protects your cleaning business from the financial fallout of cyberattacks like phishing scams, ransomware, or data breaches.
A single click on a fake email or a weak password can lead to stolen client information, legal claims, or major recovery costs. Cyber liability insurance can cover:
- Credit monitoring and notification costs after a breach
- Ransom payments if your systems are held hostage
- Public relations support to protect your reputation
- Legal fees, fines, and settlement costs
- Data recovery and system repairs
You don’t need to be a tech company to be a target. Cleaning businesses are often hit because they’re the least prepared. Even if you’re a solo cleaner with a basic website or payment processor, cyber liability coverage helps you bounce back from a digital disaster.
Our coverage is designed specifically for cleaning professionals. With flexible options and competitive rates, Insurance Canopy helps you stay compliant and operate confidently. Get tailored insurance for janitorial businesses with Insurance Canopy — the smart choice to protect your business.
- Buy and manage your policy 100% online
- Qualify for contracts that require insurance and bonding
- Customize your coverage to protect your cleaning equipment
Questions About Janitorial Service Insurance
Is insurance for janitorial services effective immediately?
Yes! At Insurance Canopy, your janitorial insurance policy is effective instantly once your payment is processed.
Can I cancel my janitorial business policy at any time?
Yes, you can cancel your insurance at any time. However, with Insurance Canopy, policies are fully earned once coverage begins, so they’re generally non-refundable. Review your policy terms for refund eligibility to ensure a smooth process.
How do I file a janitorial business claim?
You can easily file a claim online through your customer dashboard by selecting the “File a Claim” option.
After submitting your claim, a claims adjuster will review the details and may contact you for additional information or documentation. The adjuster will guide you through the process, assess the claim, and work to resolve it as quickly as possible.
You’ll receive updates throughout to keep you informed every step of the way.
How do I renew my janitorial insurance policy?
Your policy will renew automatically to keep you continuously protected unless you choose to renew manually. We send email reminders so you won’t be caught off guard.
What happens if I have a janitorial business claim after I cancel my insurance?
If you file a janitorial business claim after canceling your insurance, it won’t be covered unless your policy remains active for a certain period and the incident happened during that time.
Insurance only offers protection while your policy is active, so continuous coverage ensures you’re always protected.
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
When a client asks for proof of insurance, they’re really checking one thing:
You take care of people’s homes, but who takes care of your business?
Insurance protects your pressure washing business from costly accidents. Bonding protects your clients