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 editorialThe short answer: Janitorial Service insurance starts with General liability, which clients, general contractors, and licensing boards most often require before janitorial services can take a job, alongside Workers' compensation and Surety bond.
Janitorial Service general liability averages $603/year, per Insureon. Reported average, not a quote; actual premiums vary by state, payroll, and underwriting.
What can go wrong for janitorial services?
- 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
What insurance do janitorial services need?
- ✓General liability
- ✓Workers' compensation
- ✓Surety bond
How much does janitorial services insurance 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.
Compare these against typical premiums for every trade, or read what drives business insurance cost to see how payroll, vehicles, and limits move the number.
Where does janitorial services coverage trip 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
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?
Janitorial Service insurance: frequently asked questions.
- What insurance do janitorial services need?
- Most janitorial services are expected to carry general liability, workers' compensation, surety bond to sign client contracts or hold a business license. Coverage commonly added beyond that includes commercial auto, umbrella, business owner’s policy. Requirements vary by state, contract, and payroll; confirm what a specific job or license demands.
- Is business insurance required for janitorial services?
- General liability is usually contract-required rather than legally mandated: a client, general contractor, landlord, or licensing board typically asks for proof of it before you can start work. Workers' compensation becomes legally required in most states once you hire an employee. Confirm the specific requirement with the requiring party or your state regulator.