How Much Is Business Insurance
for Janitorial Services?

As a janitor, you're no stranger to business risk. You put up warning signs when floors are wet. You teach your employees to lift heavy objects carefully to avoid back injuries. You do what you can to avoid accidents, property damage, and small business lawsuits.

Janitorial insurance offers you financial protection when managing your risks just isn't enough to stave off losses that could bankrupt your business. But how much does this protection cost?

Insurance premiums depend on the size of your business, its risk exposures, and other factors. Though your rates depend on your own business's unique traits, the following sample insurance quotes can give you a general idea about how much it costs to insure a janitorial company. Please keep in mind these estimates are for illustrative purposes only.

HOW MUCH IS
General Liability Insurance?

How Much Is General Liability Insurance?

General Liability Insurance protects your business against common liabilities, such as slip-and-fall injuries and damaged property. Say a client's visitor slips down the stairs after one of your employees forgets to put up a caution sign. An accident like this could lead to a six- or seven-figure lawsuit. Fortunately, GL Insurance can cover your legal expenses, including lawyer fees and settlements or judgments.

The typical General Liability Insurance policy for janitors costs $384 - $790 in annual premiums.

Average Premiums, Deductibles and Limits on General Liability Insurance Policies for Janitorial Services
Name USD

Median policy premium:

$384 - $790

Median policy limit:

$2 million

Median policy deductible:

None

To see how the cost of General Liability Insurance for janitorial services compares with other industries, visit Insureon's General Liability Insurance Cost Analysis New browser window icon..

HOW MUCH IS
Commercial Property Insurance?

How Much Is Commercial Property Insurance?

Property Insurance covers the cost to repair or replace janitorial equipment that's been damaged or lost because of fire, theft, vandalism, or other covered events. Janitorial companies should consider adding a SPICE endorsement to their policy, which offers business income protection when client premises can't be serviced.

Janitorial Property Insurance premiums generally start at $388.

Average Premiums, Deductibles and Limits on Commercial Property Insurance Policies for Janitorial Services
Name USD

Median policy premium:

$388

Median policy limit:

Varies

Median policy deductible:

Varies

HOW MUCH IS
a Business Owner's Policy?

How Much Is a Business Owner's Policy?

For janitors who want to save a little on their insurance, a Business Owner's Policy is a great deal. A BOP bundles General Liability and Property Insurance together at a reduced annual rate, and it's only available to low-risk small businesses.

The typical BOP costs $767 to $1,309 annually for janitorial services companies.

Average Premiums, Deductibles and Limits on BOP Insurance Policies for Janitorial Services
Name USD

Median policy premium:

$767 - $1,309

Median policy limit:

$2 million

Median policy deductible:

$500

HOW MUCH IS
Workers' Compensation?

How Much Is Workers' Compensation Insurance?

State laws usually require janitorial employers to have Workers' Compensation Insurance, which kicks in when employees suffer workplace accidents or injuries. This policy can cover their medical bills, replacement wages, and your legal expenses in a Workers' Comp lawsuit. Say, for example, an employee falls off a ladder while changing light bulbs. Workman's Comp can protect your business from paying their medical bills out of pocket.

To comply with state requirements, janitorial businesses usually pay $1,703 to $3,686 in annual Workers' Comp costs.

Average Premiums, Deductibles and Limits on Workers' Compensation Insurance Policies for Janitorial Services
Name USD

Median policy premium:

$1,703 - $3,686

Median policy limit:

$500,000

Median policy deductible:

None

HOW MUCH IS
a Surety Bond?

How Much Is a Janitorial / Surety Bond?

In order to sign janitorial services contracts, you might need a Surety Bond. These bonds are an agreement between you, the insurance company, and your client. If you can't deliver on a contract, the client can make a claim on your bond and the insurer will pay for their losses. However, you must repay the insurer for the claim amount. These bonds can help you grow your business because they show your clients that an insurance company can vouch for your work.

To insure janitorial contracts, Surety Bonds typically cost $100

Average Premiums and Limits on License and Permit Bonds for Janitorial Services
Name USD

Median policy premium:

$100

Median policy limit:

Varies

Median policy deductible:

None

HOW MUCH IS
Commercial Auto Insurance?

How Much Is Commercial Auto Insurance?

Commercial Auto Insurance shields you from the costs of auto accidents and subsequent lawsuits. Your business needs this policy if your vehicle is in the company's name.

Commercial Auto Insurance usually costs $1,158 to $2,254 annually for janitorial companies.

Average Premiums, Deductibles and Limits on Commercial Auto Insurance Policies for Janitorial Services
Name USD

Median policy premium:

$1,158 - $2,254

Median policy limit:

Varies

Median policy deductible:

None (liability only)

HOW MUCH IS
Umbrella Insurance?

How Much Is Umbrella Insurance?

If a slip-and-fall lawsuit costs more than your General Liability Insurance can cover, you can make a claim on your Umbrella Insurance to pay the excess costs. Umbrella coverage can be applied to three policies: General Liability, the Employer's Liability portion of Workers' Comp, and Auto Liability.

To boost their liability coverage, janitors typically pay $400 to $1,300 in annual Umbrella Insurance costs.

Average Premiums, Deductibles and Limits on Umbrella Insurance Policies for Janitorial Services
Name USD

Median policy premium:

$400 - $1,300

Median policy limit:

$1 Million

Median policy deductible:

None

To see how the cost of Umbrella Insurance for janitorial services compares with other industries, visit Insureon's Umbrella Insurance Cost Analysis New browser window icon..

FREE QUOTES
on Janitorial Insurance

How to Get Free Quotes for Janitorial Insurance

To receive free insurance quotes on Surety Bonds, slip-and-fall insurance, and other janitorial insurance policies, submit an online insurance application.

Grab-n-Go Information

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