Janitorial Insurance

As a business owner, you face a variety of risks. Janitorial service insurance is an essential piece of any company’s business strategy. One unfortunate incident can lead to an expensive lawsuit costing your business thousands of dollars.

With the help of insurance, you can financially safeguard your business if you were to face a third-party claim. You can perform your services with peace of mind and know that you have a janitorial liability insurance policy in place.

Janitorial insurance from Insurance Canopy starts at $26.67 per month, although the total monthly cost varies depending on your specific situation and the amount of coverage you require.

The price of your insurance policy will depend on a few factors, such as the size of your business, annual employee payroll (including owner), desired coverage amounts and limits, and the state where your business is located.

Instead of requesting a janitorial insurance quote, you will fill out a simple application online in ten minutes. When you complete your application, you’ll be quoted a monthly price that includes coverage options tailored to your needs. Upon purchasing, you will receive instant access to your policy documents and immediate proof of insurance.

You may be required to have insurance in order to obtain a business license in your state. While some states do not require janitors to have a trade license, there are many that do. Insurance coverage can also instill confidence in your current and potential clients.

• Property managers and owners may require that you provide proof of insurance before they sign a contract with you.
• Liability insurance provides a layer of defense against claims such as bodily injury or property damage claims.
• If you use or transport your equipment to multiple locations, you will want to protect it against theft, damage, or loss with additional inland marine coverage.
• Financial peace of mind. When an accident occurs, you won’t need to worry because Insurance Canopy has you covered. You’ll already have a policy in place, and you won’t be scrambling to try and find coverage.
• Your customers will be able to rely on you more because businesses that are insured come off as more credible and trustworthy. This trust instilled in your customers helps you to do your job better and keep your clients satisfied.

Insurance for janitorial businesses covers residential and small commercial cleaning businesses, such as janitors, maids, and housekeeping cleaners. Janitor insurance covers several risks that you face on the job every day as a cleaning professional, including the common risks we talked about earlier. The following coverages are included in an Insurance Canopy policy:

• General liability coverage: You have a $2,000,000 general aggregate, and $1,000,000 limit for each occurrence. This means that if one of your clients files a claim, you can be covered for up to $1,000,000.
• Products & Completed Operations Aggregate: This is the maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, what’s not included in this policy is products that are sold, or distributed.
• Damages to Premises Rented: This applies to damage to premises rented to the insured and to damage regardless of cause to premises occupied by the insured for seven days or less.
• Personal and Advertising Injury Coverage: This includes coverage for claims of false arrest, detention or imprisonment, malicious prosecution, oral or written material which damages someone’s reputation, and violations of the right to privacy. It also provides coverage for claims of false advertising or for stealing someone else’s idea, logo, or other intellectual property. The cost for this also depends on the policy selection.

Purchasing an insurance policy for your janitorial business is simple and takes less than ten minutes. Instead of receiving a janitorial insurance quote, you fill out an application online and provide information about your business. Some of the questions include how many employees you have, what state your business operates in, and more. When you have finished your application, you will be able to review the total amount that you will be paying each month.

Yes, Insurance Canopy offers cleaning bonds! You can now easily purchase bonding after you complete your cleaning insurance policy purchase. When you log in to your customer dashboard, you can edit your policy options and choose an affordable bonding policy for your cleaning business.

We offer 2 janitorial bond limits, both with affordable annual pricing! Choose the right limit to cover your business needs. Get a $10,000 bond from $181 / year or select a $5,000 Bond from $134 / year. These can be found in your customer dashboard after you purchase your general liability policy.