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.

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

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.

NEXT has janitor insurance for small business owners

Janitorial insurance coverage is usually several types of insurance policies combined. With 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

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

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

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

NEXT Insurance reviews

Quick and easy.

Michael S.

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!!

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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.

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.

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.

Janitorial insurance FAQ

If you don’t find answers here, our licensed, U.S.-based insurance advisors are standing by to help.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with 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 a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with NEXT?

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

Related professions covered by NEXT

Carpet Cleaning, Floor Waxing, Garbage Collection, House Cleaning and Maid Service, Janitorial, Pressure Washing, Septic Tank Cleaning, Window Cleaning

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.