Insurance for Janitorial Services

Professional janitors are necessary for many clients to maintain operations, including large corporations, smaller businesses, government facilities and schools, many of which may choose to work with contractors and outside services rather than employ their own cleaning staff. With this in mind, offering janitorial services can be a lucrative and dependable business venture. However, this sector also includes various risks and exposures that require even the most experienced and responsible professionals to secure appropriate insurance.

What Does Insurance for Janitorial Services Cover?

Although some insurance companies may offer packages relevant to various janitorial risks and exposures, businesses may often need to compile their own coverage portfolios. In many cases, this collection of policies should include the following coverages:

• General liability insurance may cover third-party bodily injuries, property damage, personal injuries and reputational harm for which a policyholder is at fault.
• Errors and omissions insurance may limit losses arising from a client accusing a janitorial service of failing to provide acceptable services.
• Workers’ compensation insurance may help pay for employees’ medical bills and losses should they be injured on the job or develop a work-related illness.
• Commercial property insurance may assist businesses in recouping losses related to their physical assets, including buildings, equipment and inventory.
• Business interruption insurance may compensate companies following incidents that disrupt their normal operations, such as for lost revenue.
• Commercial auto insurance may financially protect janitorial services from incidents involving their motor vehicles.

Although not technically a type of insurance, janitorial services may also wish to purchase fidelity bonds, which can provide financial assistance should employees dispatched to clients’ locations commit dishonest or criminal acts or damage property.

How Much Is Insurance for Janitorial Services?

When assessing a janitorial service’s risk levels and providing quotes for appropriate coverage options, insurance carriers may consider the following factors:

• Location
• Number of employees
• Years of experience
• Estimated annual revenue
• Business assets
• Prior claims history
• Coverage details (e.g., policy limits, endorsements and deductibles)

Get the Right Coverage

Contact SF Insurance and Financial Services today to learn more about coverage options for janitorial services.