Running a janitorial business means showing up every day to keep other businesses clean, safe, and functional. But who’s protecting you? Janitorial insurance is a collection of coverages designed to protect cleaning and maintenance service providers from the common risks of the job. From slippery floors to chemical exposure, the risks add up fast. That’s why janitorial insurance is a must for any business in this field. At Gild Insurance, we help janitorial service owners find tailored insurance solutions that safeguard their employees, clients, and finances without the hassle.
Whether you’re just getting started or reviewing your current coverage, here’s what you need to know to stay protected.
What Does Janitorial Insurance Cover?
Instead of a single policy, janitorial insurance includes several coverages that work together to protect your business. These policies help cover the cost of accidents, property damage, legal claims, and injuries that could otherwise put your operations at risk.
This type of insurance typically includes:
- General liability insurance – Covers third-party property damage or bodily injury claims.
- Workers’ compensation – Protects your business if an employee gets injured on the job.
- Commercial auto insurance – Provides coverage if your work vehicle is involved in an accident.
- Property insurance – Covers tools, equipment, or supplies damaged or stolen during operations.
Depending on the services you offer—whether it’s routine office cleaning or specialized industrial sanitation—you may need additional protections to match your operations.
Why Janitorial Insurance Is Essential for Cleaning Businesses
Every job site is different, and every day presents new risks. For instance, a spilled mop bucket could lead to a client’s injury, or a misplaced chemical could damage an expensive surface. Without proper coverage, even minor incidents can lead to major financial setbacks.
Janitorial insurance helps you:
- Win and retain contracts that require proof of insurance
- Avoid out-of-pocket costs from lawsuits or damage claims
- Protect your business from long-term financial loss
In our previous blog, “Insurance for Janitorial Services: Workers’ Comp,” we explored how vital workers’ compensation coverage is for keeping your team safe. But that’s just one part of a strong janitorial insurance plan.
What Affects the Cost of Janitorial Insurance?
The cost of janitorial insurance depends on several factors, including:
- Your business size and location
- Number of employees
- Types of services provided
- Annual revenue
- Claims history
At Gild, we offer access to digital customized quotes so you can find the right plan without overspending.
Why Choose Gild for Your Janitorial Insurance?
Choosing the right coverage shouldn’t be complicated. Gild Insurance simplifies the process by connecting you with industry-specific policies that align with your business needs. With us, you’ll get:
- Expert guidance from advisors who understand janitorial risks
- Access to multiple insurance carriers for competitive pricing
- Help with compliance, contracts, and proof-of-insurance requests
Our goal is to take the stress out of insurance so you can focus on what matters: running your business.
Tools and Partners to Help Janitorial Businesses Thrive
Running a janitorial business often means juggling more than just cleaning schedules. Whether you need help filing annual reports or managing payroll, our partners are here to support your operations:
- Rocket Lawyer helps you stay in good standing with your state by filing Initial and Annual Reports, and their RocketTax service connects you with experts to file with confidence.
- Envision Payroll simplifies hiring, payroll, and tax filing for cleaning crews of any size.
- Gild’s Contractor Network connects you with trusted service providers, helping you fast-track repairs, maintenance, and specialized project needs without the typical back-and-forth.
Get Started with Gild Insurance Today
Don’t wait until an accident or lawsuit forces you to rethink your coverage. With the right janitorial insurance, you can work confidently knowing your business is protected from day-to-day risks.
Get a custom quote from Gild Insurance today and stay protected.