FAQ_category: (HIDDEN) Industry FAQs

While not always legally required, commercial clients nearly always demand it in contracts. For janitorial companies, liability insurance isn’t just a safeguard—it’s often your ticket to securing work. 

It ensures you can take on bigger, higher-paying jobs without risking your business if an accident happens on site. 

Yes! When your policy includes the right coverage: 

• Employee theft – Employee dishonesty coverage can help reimburse losses if a worker is accused of stealing from a client site. 

• Accidental damage – General liability insurance can help if your team accidentally damages furniture, electronics, or other property during cleaning. 

These protections are vital because janitorial teams often work unsupervised in client facilities, making trust and liability coverage equally important. 

On average, janitorial business owners pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

Janitorial work often involves operating in client spaces after hours, handling chemicals, and using equipment that can cause damage if mishandled. Core coverages include: 

• General Liability – protects against third-party injury or property damage claims. 

• Workers’ Compensation – required in most states if you have employees, covering work-related injuries or illnesses. 

• Commercial Property Insurance – protects business-owned equipment and supplies. 

• Business Owner’s Policy (BOP) – combines general liability and property coverage into one policy. 

Absolutely! When you include the right coverage: 

• Cyber Liability Insurance addresses costs from data breaches or cyber-attacks, including legal fees, recovery, notifications, and credit monitoring. 

• Given the sensitive personal and financial data handled by bookkeepers, this coverage isn’t optional—it’s essential. 

In today’s digital age, cyber protection keeps your business—and your clients—secure from evolving threats.