Janitorial Insurance Companies
Janitorial insurance companies provide various policies, such as general liability, workers' compensation, and commercial auto, to protect cleaning businesses from risks like property damage, employee injuries, and theft.
What Does Cleaning Liability Insurance Cover?
Cleaning liability insurance can include coverages like general liability insurance and professional liability insurance. This type of policy can help cover claims that your business caused:
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Bodily injury, like if your cleaning supplies or chemicals made a client sick.
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Damage to a client’s property, like breaking a window while cleaning in a customer’s home.
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Personal injury, like libel or slander.
Why Is Insurance for Cleaning Businesses Important?
Your cleaning service business will likely take you to several locations — all of which can expose you to professional liability risks. To understand the importance of business insurance for cleaners, consider these situations:
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You own a carpet cleaning service. As you’re treating a carpet, your cleaning equipment accidentally damages it. Your general liability policy can help pay to fix the damage to your customer’s personal property.
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A customer hires your small business to clean their home. After you mop, you forget to warn your client about the wet floors. As a result, one of them slips, falls and breaks their foot. Your cleaning insurance can help cover their medical expenses.
How Much Does Cleaning Business Insurance Cost?
On average, The cleaning business customers paid about $1,553 annually, or about $129 per month, for a Business Owner’s Policy.
Keep in mind that insurance costs for cleaning companies will vary. That’s because each business is unique. Insurers look at different factors when determining the costs of business insurance for cleaning companies, such as:
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Type of business
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Claims history
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Number of employees
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Location
The best way to find out your cleaning company’s business insurance cost is to get a quote.