Insurance for janitorial services is an important factor for businesses to consider. Janitorial services are responsible for the cleanliness and sanitation of a building or property, so ensuring that they are adequately insured is essential. Insurance for janitorial services can protect against various risks, such as property damage, theft, and liability. It can also cover expenses related to accidents or injuries while on the job.

Why Do Janitorial Services Need Insurance?

When it comes to running a janitorial business, there are many reasons why insurance is a vital part of the operation. It primarily offers financial protection for the business, its employees, and its customers. Without insurance, a janitorial business would be exposed to financial risks that could jeopardize the business.

Insurance is also important for janitorial services because it offers liability protection. If a customer or employee is injured while on the job or if a customer’s property is damaged due to the negligence of the janitorial service, the business can be held liable for damages. Insurance coverage protects the business in case of a lawsuit or other legal action.

Different Kinds of Insurance for Janitorial Services

Insurance for janitorial services can protect against unexpected events that could financially impact your business. This article will provide an overview of the different types of insurance for janitorial services and explain the importance of having coverage.

General Liability Insurance

General liability insurance is often called “slip and fall” insurance. This insurance covers any liability claims due to your janitorial services. This includes any injuries or damage caused by your staff, equipment, or materials.

Commercial Property Insurance

Commercial property insurance will cover any damage to property that is owned by your business. This includes damage caused by fire, theft, or vandalism.

Workers’ Compensation Insurance

Workers’ compensation insurance is often required in most states. This insurance covers your employees if they are injured on the job. This type of insurance also covers any medical expenses and lost wages that your employee may incur due to their on-the-job injury.

Professional Liability Insurance

Professional liability insurance is also known as Errors and Omissions insurance. This type of insurance provides coverage if you are sued for errors or omissions in the performance of your janitorial services.

Umbrella Insurance

Umbrella insurance provides additional protection beyond the coverage limits of your other policies. This type of insurance is often used to cover additional liabilities that may arise due to your janitorial services.

What to Consider When Choosing an Insurance?

Not only do you need to ensure you are properly protected, but you also want to ensure you are getting the best coverage at the best price. Here are some factors to consider when selecting the right insurance policy for your janitorial business.

1. Coverage Needs

The first thing you must consider is the type of coverage you need. Different policies offer different levels of protection. Ensure you understand the various coverage options available and ensure they meet your business’s needs.

2. Cost

The cost of insurance is an important factor to consider. You want to ensure you get the best value for your money. Before committing to a policy, you compare the different policies and their costs.

3. Reputation

It is important to research the reputation of the insurance company you are considering. Ensure the company has a good reputation for providing quality coverage and is reliable and reputable.

4. Claims Process

Before choosing an insurance policy, you should also look into the claims process. Ensure it is straightforward to understand and that the company is willing to work with you if you ever need to make a claim.


There are many factors to consider when purchasing insurance for janitorial services. The type of business, the size of the business, the location of the business, and the type of customers served all play a role in determining the best insurance policy for your business. The most important thing to remember is that insurance is designed to protect your business from financial loss. If you have any questions, consult an insurance agent or broker to find the best coverage for your business.

If you are seeking janitorial services insurance, you can contact us at Pascal Burke Insurance Brokerage Inc. We make it easier for contractors to get insured and protect their businesses from unexpected expenses. Get in touch with us and learn more about our insurance products.