The Top 3 Insurance Policies Every Janitorial Business Should Have
Your janitorial company operates behind the scenes, keeping other businesses clean and tidy. Floors shine. Windows sparkle. Clients smile. But here’s a question that might keep you up at night: What happens when something goes wrong? Someone slips on that freshly mopped floor. A broom handle falls, shattering a mirror. Expensive equipment goes missing…
When you’re in the cleaning business, messes happen, but they aren’t always the kind you can wipe up. That’s why having the right insurance isn’t a maybe. It’s a must.
Let’s break it down. There are 3 insurance policies every janitorial business should have if you want to keep your business running strong, no matter what unfortunate situations come your way.
1. General Liability Insurance (Must-Have for Client Protection)
If you only get one policy, make it this one. Accidents happen fast, when you’re least prepared, and lawsuits happen just as fast.
Let’s say you’re vacuuming a lobby and a client trips over an extension cord they didn’t see. Or you accidentally knock over an expensive sculpture. Without general liability insurance, either of those incidents could cost you thousands out of pocket.
This coverage helps pay for:
- Property damage you cause while on the job
- Bodily injuries to third parties (like clients or visitors)
- Legal fees if someone decides to sue
Bottom line: If you’re working in someone else’s space, General Liability Insurance is non-negotiable.
2. Workers’ Compensation Insurance (For You and Your Crew)
If you’ve got a team, this one’s required by law in most states. But even if it weren’t? You’d still want it. Your crew works hard, lifting heavy items, scrubbing, and climbing ladders. They work with strong chemicals. Accidents and spills are part of the job, so don’t be caught unprepared.
Workers’ comp coverage helps with:
- Medical bills from job-related injuries
- Lost wages while recovering
- Protection for you as the employer if an employee files a claim
Without it, one injury could wreck your budget, maybe even your entire business. With Workman’s Comp Coverage, you protect your people and your company.
3. Commercial Property or Equipment Insurance (Your Tools Make You Money)
Your vacuums, buffers, vehicles, and supplies are not just tools. They’re your livelihood.
What happens if your company van is broken into and expensive equipment is stolen? Or a fire breaks out at your storage unit? That’s where commercial property and equipment insurance comes in.
A commercial property policy helps with:
- Replacing stolen or damaged equipment
- Recovering from fire, vandalism, or other property loss
- Keeping your business running if disaster strikes
You’ve worked hard to grow your cleaning business. Don’t let a bad day ruin everything you’ve built.
You Clean Up for a Living. Let Us Cover the Rest.
When you have the right insurance policies for your janitorial business in place, worries fade and you can focus on what YOU do best: running your business, serving your clients, and building your reputation.
Need help figuring out what coverage fits your janitorial business? Let’s talk. Our team will walk you through it all, no pressure and no jargon, just the peace of mind you deserve.
