Janitorial insurance for cleaning company owners
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Protect your company and employees with cleaning business insurance.
From damage to a customer’s property to employee on-the-job injuries, cleaning and janitorial businesses have to be prepared for the potential financial impact from a wide range of risks. At biBerk, we can provide tailored insurance for your cleaning company at savings of up to 20%. Whether you need workers' compensation, general liability, a business owners policy or BOP (sometimes called property & liability insurance), commercial auto, umbrella, or cyber insurance, just complete a simple form online or speak with our licensed cleaning insurance experts to get a fast, free quote. Plus, with a cleaning insurance policy from biBerk, you can purchase coverage, manage your policy, get a Certificate of Insurance (COI), and report claims online for ultimate convenience.
Why does your business need cleaning and janitorial business insurance?
Cleaning and janitorial business insurance is important for businesses like yours, where slips and falls are common. Your company could be held responsible for injuries, whether to your employees or building occupants. A workers’ comp policy covers your employees, while a general liability policy covers legal fees and damages awarded for injuries to non-employees. It can also cover damage to your clients’ property, like if you accidentally stain carpet or furniture. A commercial auto policy can protect your business if an accident occurs while traveling between client properties.
Risk protection and more the business advantages of cleaning and janitorial insurance.
Financial risk protection
Having adequate insurance coverage is crucial from a business strategy perspective. It also provides peace of mind. For example, let’s say you own an independent cleaning service, and one of your employees accidentally knocks over and breaks an expensive piece of art at a client's office. Without the right coverage, you could be responsible for the replacement cost—an amount you would have to pay directly from your business or personal savings. A general liability policy is designed to cover this type of property damage, protecting your company’s finances and safeguarding your personal assets from the financial fallout of an accident.
Winning client trust
Beyond protecting you from loss, having the right insurance is a powerful tool for building your business. Many commercial clients require proof of insurance before signing a contract. Being able to quickly provide a Certificate of Insurance shows that you are a credible professional, which helps you win client trust. Securing this essential protection is a simple, straightforward process. You can review the policies you need and get quotes online in just a few minutes.
Meeting contract requirements
The same is true of commercial janitorial contractors. These larger businesses often bid on contracts for corporate, educational, and healthcare clients, where meeting specific contractual insurance requirements is mandatory. Managing operations across multiple sites with numerous teams also increases employee- and vehicle-related risks, making comprehensive workers' compensation and commercial auto policies essential for protecting the business at scale.
Safeguarding business assets
Additionally, commercial contractors depend on valuable cleaning equipment, such as industrial floor polishers, to get the job done. A business owners policy (BOP) is crucial for protecting this essential business property from loss, theft, or damage. In the event of an incident, having the right coverage provides the funds to repair or replace critical assets, which reduces operational downtime and business disruption so you can get your crews back to work.
Our insurance for cleaning businesses covers companies that include:
- Cleaners
- Cleaning Service company owners
- Housekeepers
- Janitors
- Janitorial service company owners
- Maids
- Maid service company owners
- Window cleaners
- Window cleaning company owners
- Air duct cleaning services
- Carpet cleaning, rug cleaning, and upholstery cleaning companies
- Dry cleaners and launderers
- Dry cleaning plants
- Waste and garbage collection company owners
- Sewer or tank cleaning services
- Street cleaning services
- Swimming pool service technicians
- Swimming pool cleaning services
What does insurance for a cleaning business cost?
The cost of insurance for a cleaning company is calculated based on a number of factors. These include your location, business size, the type of cleaning or janitorial work you do, and your claims history. You can get cleaning business insurance quotes online for the different policies you need.
What are the different types of cleaning business insurance that owners should consider?
At biBerk, we offer six different types of cleaning business insurance. Depending on the location of your business and other factors, certain types might be better for you than others.
Workers' Compensation insurance
This type of insurance for a cleaning company helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.
Workers' Compensationchevron_rightGeneral Liability insurance
Also known as commercial liability insurance, this type of commercial cleaning insurance covers damages and legal costs associated with injury claims by customers and other people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your cleaning liability insurance policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
General Liabilitychevron_rightBusiness Owners Policy
Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
Business Owners Policychevron_rightCommercial Auto insurance
If your company owns or leases vehicles, this policy protects your business. This type of janitorial business insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.
Commercial Autochevron_rightCyber insurance
This kind of insurance for a cleaning company can be purchased as an add-on to a general liability policy or a BOP. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.
Cyber Insurancechevron_rightUmbrella insurance
Every type of insurance for a cleaning company has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.
Umbrella Insurancechevron_rightHow to get cleaning & janitorial business insurance
Getting the right cleaner’s insurance is faster and more convenient than you might think. We've simplified the entire process so you can go from receiving a quote to obtaining a Certificate of Insurance without missing a beat. You can get a free cleaning insurance quote online in minutes. If the coverage and price are right for your company, you can complete the purchase online, skipping the lengthy phone calls and stacks of paperwork. Best of all, your cleaning insurance policies can be effective as early as the next day in most cases, giving you the protection and peace of mind you need to get back to work. There’s really no reason to put off buying insurance for your cleaning service.
Why biBerk for cleaning and janitorial insurance?
We’re a trusted name in small business insurance, providing comprehensive coverage options for cleaning and janitorial companies.
Save time.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.
Experienced.
We're part of the Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.
Frequently Asked Questions (FAQs)
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What cleaner’s insurance policies do cleaning companies need?
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Cleaning and janitorial businesses face a variety of risks, from on-the-job injuries to property damage. To protect against the financial impact of these risks, you should consider several types of insurance for cleaning businesses, including general liability insurance, workers' compensation insurance, commercial auto insurance, a BOP, umbrella insurance, and cyber insurance.
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Does cleaning liability insurance cover property damage?
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Yes. General liability insurance and a business owners policy (BOP) both provide coverage for damage to a client's property. For example, if an employee accidentally stains a carpet or breaks an expensive piece of equipment, this insurance can cover the cost of replacement or repair.
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Does insurance for cleaning businesses cover customer injuries?
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Yes. General liability insurance is designed to cover legal fees, medical costs, and damages associated with injury claims from customers or other third parties (non-employees) who are injured as a result of your business operations.
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How much does cleaning company insurance cost?
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The cost of insurance for a cleaning service is calculated based on several factors. These can include the size and location of your business, the specific types of cleaning or janitorial work you perform, and your company's claims history. The most accurate way to determine your cost is to get free online quotes for the policies you need.
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Do I need insurance as a self-employed cleaner?
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Yes, business insurance can provide crucial financial protection for cleaning companies and self-employed cleaners.
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Can I get a Certificate of Insurance (COI) for my cleaning business?
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Yes. We provide free Certificates of Insurance (COIs). If you have insurance for your cleaning business through biBerk, you can access and download a COI whenever you need one directly from the website, which is helpful for providing proof of insurance to clients or others who require it.
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Does biBerk offer workers’ compensation insurance for cleaning companies?
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Yes, we offer workers’ compensation insurance for cleaning and janitorial companies. This policy covers medical expenses, legal fees, and lost wages for employees who suffer work-related injuries.
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Can I add subcontractors or employees to my cleaning insurance policy?
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Employees must be covered under your company's workers' compensation policy, and state laws generally require this coverage for any business with employees. Subcontractors, however, are typically required to carry their own liability insurance. You should obtain a Certificate of Insurance from any subcontractor to verify they have adequate coverage before they begin work.
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Is cleaning business insurance required by law?
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The requirements for business insurance vary by location and the specifics of your business. For example, workers' compensation insurance is mandatory in most states for companies with employees. Likewise, commercial auto insurance may be required for business-owned vehicles. Beyond legal mandates, many clients and landlords will contractually require you to have insurance before they will work with you or lease property to you.
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Does cleaning business insurance cover vehicles used for work?
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We offer commercial auto insurance specifically to protect vehicles that are owned or leased by your cleaning business. This policy can cover legal fees, medical costs, and property damage if you or an employee is at fault in an accident while traveling for work.
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Can business insurance cover specialty cleaning businesses?
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In many cases, yes. However, specialty cleaning businesses that handle niche jobs like high-rise window washing, biohazard removal, industrial facility cleaning, or post-construction cleanup face unique hazards that may not be covered by certain policies. For example, while commercial auto insurance is typically available for specialty cleaning businesses, general liability insurance and business owner policies are not. Workers’ compensation coverage varies by specialty. It is generally available for window washing companies (in most states), industrial facility cleaning, and post-construction cleanup businesses but not for biohazard removal companies. Because every specialty business is different, the best way to know for sure if your company can be covered is to talk with one of our licensed insurance experts. They can help you assess your specific risks and determine the exact coverage you need.
Get a quote today.
See why biBerk is easier and more convenient for cleaning business insurance when you obtain your free quote online.