Janitorial Insurance for Janitors, Maids and Cleaning Professionals

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  • Quick and painless purchase

  • Plans starting as low as $29/month

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Coverage Plans for All Your Needs


Essential coverages to meet client demands

General Liability

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  • Liability Limits $300K - $2M


When you also have equipment or operate from an office

General Liability + Property (bundle them with a BOP)

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  • Liability Limits $300K - $2M
  • Property (equipment or office) covered up to a value
  • Deductible: $0-$500
  • Optional: SPICE
  • Optional: Hired and non-owned auto


Get protected against employment-related issues

General Liability + Property and Workers Compensation (WC)*

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All Standard plan benefits and:

  • Accident coverage for my employees
  • WC limit: $50K - $500K per employee or accident

*plus Workers Compensation


When you have specific requirements

Including Commercial Auto, Surety Bonds, Umbrella, etc

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We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

We've Got You Covered with Coverage You Need

This industry has several potential risks that can affect your business negatively if you aren’t prepared for them (i.e. theft claims against an employee, handling priceless belongings, and working with hazardous chemicals).

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Frequently Asked Questions

What variables can affect price of Janitor Insurance?

  • Commercial vs. Industrial vs. Residential: Cleaning and Maintaining Commercial buildings is riskier than Cleaning Residential buildings.
  • Waxing floors: if a significant portion of your revenue comes from waxing floors, your Insurance will probably be higher
  • Your company size: the more business you do, the more likely you are to have an accident

How much is insurance for a House Cleaning Business?

For maid and home cleaning businesses, general liability insurance may be needed to cover the costs of potential lawsuits by a client. General liability insurance can also cover lawsuits over bodily injuries and advertising injuries. On average, this type of insurance costs maid/house cleaning businesses $374 to $696 in annual premiums. It is important to note that quotes can fluctuate based on the size of your business, risks involved, and other factors.

How much is insurance for a Janitorial Business?

Determining a specific cost of insurance for a janitorial or cleaning business isn’t an easy task and it may be hard to find small business insurance. Depending on your cleaning business, your risks could be viewed differently by insurance companies. Key factors include your insurance and bonding claims history, when you started your business, and safety protocols for your employees. On average, cleaning businesses are looking at: $24 minimum monthly for low risk businesses, $42 median or $82 average monthly cost for average size businesses.

What is a BOLI?

A “BOLI” known as bank-owned life insurance, is a form of life insurance purchased by banks where the bank is actually the beneficiary, and/or owner. This form of insurance serves as a tax shelter for the administering bank, as it is a tax-free funding scheme for employee benefits. In other words, it is a tax efficient method that offsets employee benefit costs whereas cash surrender values grow tax-deferred, providing the bank with monthly bookable income.

What is COLI and BOLI?

In contrast to BOLI, which is bank-owned life insurance and more specifically a tax-free funding scheme for employee benefits; COLI is corporate owned life insurance which is an investment alternative to Mutual Fund scenarios, allowing a corporation to accumulate a tax-deferred asset. The company purchases and owns a life insurance policy on a key employee and is the primary beneficiary, also receiving tax-free benefits. The corporation pays non-deductible premiums and receives tax-deferred cash values.

What does a janitorial service bond cover?

Janitorial service, or “surety” bonds cover the property and possessions of your clients whether you have a janitorial, cleaning or housekeeping service. This type of bond mainly covers theft by dishonest employees, but do note, it does not cover property damage. Though a janitorial bond is usually optional, certain types of cleaning business may require some form of a service bond. Overall, a janitorial surety bond shows your clients you can be trusted.

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