Trade insurance
Insurance for janitorial services.
Janitorial firms bidding commercial and government facilities must show general liability, workers' comp, and bonding to clear procurement. Contracts frequently require specific limits and additional-insured endorsements.
Updated 2026-05-16 · Beaconcover editorial§ 01
Why this matters
What can go wrong on the job.
- Property damage in commercial facilities. Equipment damage to floors, fixtures, electronics
- Employee injury. Repetitive strain, chemical exposure, falls
- Contractual liability. Facility contracts often shift broad indemnity to the janitorial firm
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Required vs recommended
What contracts require, and what's worth adding.
- ✓General liability
- ✓Workers' compensation
- ✓Surety bond
§ 03
Typical premium ranges
What it tends to cost.
- General liability: $603 avg / year[Q]Insureon
- Workers' compensation: $1,711 avg (varies significantly by payroll) / year[Q]Insureon
Figures are reported averages, not quotes. Actual premiums vary by state, revenue, payroll, and underwriting.
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Common gaps
Where this coverage trips people up.
Government contracts often demand $2M aggregate and additional-insured status
Workers' comp class codes for janitorial carry above-average rates
Umbrella is often required to reach contractually mandated limits
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Before you bind
Questions to ask any carrier for janitorial services.
- Does the quote include the lines listed above as typically required?
- What does a certificate of insurance cost and how fast can the carrier issue one?
- How is workers' compensation rated for this trade — by payroll or by class code?
- Is there a separate deductible for tools and equipment in transit between sites?
- If a client requires an additional-insured endorsement, is there a fee?