General Liability insurance for cleaning businesses and janitorial

General liability insurance can help protect cleaners and janitorial services companies from common business risks of cleaning other people’s property.

Cleaning business liability insurance is a type of business insurance. It can help you cover a variety of costs after an injury or accident, such as:

• Damage to someone else’s property
• Injuries to people who are not employees
• Some court fees and legal costs

How much does General Liability coverage cost for a cleaning company?

The business insurance cost for general liability insurance (often called the premium by insurance companies) for cleaning businesses can depend on a number of factors, including:

• How many employees you have
• Your payroll expenses
• How long you’ve been in business
• The state where you work
• The types of cleaning services you offer
• The types of facilities that you clean
• Your claims history
• How high you set your coverage limits

To see exactly what you’ll pay for your business needs, check NEXT’s prices with a free, no-obligation insurance quote.

In about 10 minutes you can tell us about your business and choose your policies. If you like what you see you can buy 100% online, get instant proof of insurance and manage your policy 24/7.

Why does a cleaning business owner or janitorial company need General Liability insurance?

In many cases, commercial cleaning clients and home owners may require cleaning professionals to carry general liability insurance before they’ll work with you. You may need to show a certificate of insurance (COI) to prove that you have sufficient coverage against financial losses.

Even if it’s not required, business insurance can help make you look more professional and give your business an edge over your competitors.

Most importantly, the right types of coverage can help your business protect your finances after an accident or injury.

Protection for property damage costs

A cleaning business usually works on customer property; often a home, an office building or a retail store. When you’re cleaning onsite on client property there’s an increased risk of accidental damage to the property and its contents.

General liability insurance could help your business cover the costs of workplace accidents that cause damage to someone else’s property.

Protection for injuries and medical costs

Working on other people’s job sites also creates a risk of accidentally hurting a client or a bystander; small business insurance companies call this bodily injury. If that happens, your general liability business insurance policy could help pay for their medical bills from the injury.

Note that general liability policies do not cover you or your employees who get hurt on the job. Workers’ compensation insurance could help cover those types of incidents.

What type of cleaning business could benefit from public liability insurance? 

A number of different professionals in the cleaning industry can benefit from general liability coverage, including:

• Housekeepers
• Janitors
• Pressure washers
• Window cleaners
• Carpet cleaners
• Floor waxers
• Garbage collectors

How NEXT can help protect your cleaning business

NEXT has general liability insurance that’s convenient and affordable—and you can do everything 100% online.

We’ll ask a few questions about your business and give you a quote. You select your coverage options and buy your policy—all in about 10 minutes.

Your proof of insurance will be available immediately, and you can access your policy 24/7 via web or mobile app.

If you have questions, our licensed, U.S.-based insurance professionals are available to help.

Start a free quote with NEXT.