Janitorial Insurance

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Janitorial business insurance can help protect you from

Medical costs

If someone gets hurt at work or if a passerby slips and falls.**

Property damage expenses

If you or an employee damage a client’s property while you’re cleaning.

Theft or burglary loss

What happens if your work gear and equipment get stolen? Business insurance can help.

Vehicle accident fees

If there’s a collision or your business driving causes damage.

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Janitorial insurance designed to protect your business

Insurance for janitorial services can help protect you, your cleaning company and your employees. Coverage options can help protect against financial losses after unexpected events and accidents, such as:

Injuries to non-employees at work
Damage to your property or someone else’s while working
Medical costs for workers hurt on the job
Theft, burglary and vandalism of your cleaning equipment or place of business
Business vehicle accidents

ERGO NEXT makes it easy to check prices, get covered and buy 100% online in about 10 minutes.

Manage your policy 24/7 via web or mobile app, and get unlimited certificates of insurance (proof of insurance) at no extra cost.

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ERGO NEXT has janitor insurance for small business owners

Janitorial insurance coverage is usually several types of insurance policies combined. With ERGO NEXT, you can save up to 10% when you bundle two or more policies. Your coverage may include:

General Liability insurance

Protection for damage to other people's property and injuries to non-employees

General liability coverage can help cover medical costs for a client or passerby who slips on a soapy surface. It can also help if you or your worker accidentally cause damage to a client’s property or work space.

general liability can help you pay for:

Slip-and-fall injuries

Damage to someone else’s property

Medical expenses

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Commercial Auto insurance

For business owners who own or drive vehicles

Most states require commercial auto insurance coverage for business-owned vehicles or personal vehicles you drive for business. An insurance company policy can help cover losses from medical expenses and property damage after an accident. In many cases, your personal auto insurance might not cover you.

commercial auto can help you pay for:

Collision repairs

Rental vehicle reimbursement

Medical bills

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Workers' Compensation insurance

For employee work-related injury and illness

Workers’ comp coverage can help pay for medical expenses and lost wages after a worker injury on the job. Most states require it if you have employees. Owner’s coverage can also help protect you.

workers compensation can help you pay for:

Medical costs

Lost wages during recovery

Employer liability

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Tools & Equipment

Protection for your gear and equipment

Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If you don’t own or lease property and regularly take expensive gear to a job site, tools & equipment insurance offers protection against damage or theft. This coverage is available as an add-on to our general liability insurance.

inland marine can help you pay for:

Damage to equipment owned by you

Theft of essential tools and clothing

Stolen or damaged equipment that you’ve borrowed

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ERGO NEXT Insurance reviews

I found exactly what I

I found exactly what I was looking for at a reasonable price.

Alvia M.

excellent tool for the best performance

excellent service

Rafael G.

Great service And price

First of all I want to thank you all agents from next insurance. I did a job for a company and they told me I need some other insurance to get paid, so I called Next Insurance and ...

Suzanne V.

Nice to deal with them

Best price and easy to process the information and payment.

Leo S.

Easy Peasy

Setting up was easy and help was a phone call away. Anything to leave my current agent.!

Tracy B.

What's needed for Business

Thanks Next for providing the Business Insurance I needed!!

Minnie H.

Fast and simple

Very fast and simple. Would recommend them to anyone

salvador p.

Thanks for your help.

Myron F.

So easy and so inexpensive

My agent of over 20 years was professional and kind enough to refer me to Next. I needed some insurance for a short term project/job and I completed an online form, got pricing, pa...

Shawn D.

Price

Prices are good Service is excellent

Collin L.

Save up to 25% in discounts on janitorial business insurance

Pay monthly or annually, and you can cancel anytime.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$300,000

Tools & Equipment

Per occurrence

$3,000

Workers’ Comp

Per accident

$100,000

Pro

How much does insurance for janitorial services cost?

Premiums for janitor insurance are more affordable than you think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:

The type of cleaning work you do
The types of clients you have
Your business location
Your number of employees
Annual revenue
The coverage limits and deductible you choose
Your insurance claims history

The best way to know for sure what you’ll pay is to check our prices and get a free quote. In about 10 minutes you’ll see the exact cost of tailored coverage for your business.

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How can janitorial insurance help your business?

You might need a janitorial insurance program to:

Get jobs. Many clients ask for proof of insurance — usually general liability insurance — before they’ll hire you for cleaning services. Coverage can help protect you from the risk of loss after accidental injuries and property damage.
Hire employees. Most states require workers’ compensation insurance for small businesses with employees.
Drive for business. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance.
Protect your business equipment. If your cleaning supplies get stolen or damaged at work, tools and equipment insurance could help.

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Frequently asked questions about business insurance

How does business insurance protect janitorial services?

Our janitorial insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

An employee spills a cleaning solution on a computer while working in an office building. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A customer slips and falls on a wet floor. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

An employee is accused of causing permanent marks on a carpet by using the wrong stain remover. E&O coverage helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

An employee develops a serious allergic reaction to a chemical cleaner. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

You accidentally dent a nearby car while unloading your work truck in a parking lot. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Theft or damage to your tools

Your steam cleaner is damaged during a flood in your storage space unit. The tools and equipment insurance that is optional with your general liability coverage can help pay for replacement and repair costs.

Damage to your own property

The windows to your office are shattered by vandals overnight. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.