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Janitorial Insurance & Bonding: Quotes & More

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Janitors and sanitation companies don’t always get the respect they deserve. They’re responsible for keeping our public spaces and businesses clean and beautiful. They often work long nights and early mornings. Few truly take the time to thank them for their efforts. 

However, janitorial services are small American companies just like other cleaning businesses. As such, most janitorial companies are bonded and insured to protect them against any potential claim made against them. Many of them are also bonded in order to provide both the client and the cleaning service with a guarantee that the work will be done right and the company will be properly compensated. 

Whether you already own a janitorial/cleaning company or you’re thinking of starting one, purchasing insurance for your small business is a crucial part of financially protecting your business, getting it set up and securing your first few clients (since most clients prefer to hire insured janitors). 

Below, we’ll answer some of the most commonly asked questions regarding janitorial insurance and bonding, Then, we’ll share our overview on some of the best and most popular insurance providers for janitorial and cleaning companies. Let’s take a look!

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Do I Need Janitorial Insurance? 

While most states don’t legally require cleaning companies to be insured, it’s always a smart idea. You never know what could go wrong while you’re working and cleaning. For instance, you could accidentally knock over an expensive vase, break a window, or cause a passerby to trip over your extension cord. All of these cases could result in you getting sued. That is unless you have liability insurance for janitorial services! 

Janitorial liability insurance is relatively affordable. The small monthly fee you pay to insure your cleaning business is well worth the tens of thousands of dollars - or even more - that your policy could potentially save you later down the road! 

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Bonding and Insurance for a Cleaning Company

One of the lesser-known aspects of insurance is the concept of bonding. There are different types of bonds, but the most common type of janitorial bond is a contract bond. These are typically issued by banks or insurance companies. 

Basically, they’re a type of contract designed to protect both parties. One part of the bond protects the customer and ensures that the janitorial service takes care of everything that they say they’re going to do. The other part of the bond protects the janitorial service and ensures that they get the money that’s owed to them (providing they fulfill their end of the contract). 

Bonding insurance for a cleaning business like janitorial/commercial cleaning is relatively easy and low-cost to sign up for. The main benefit of janitorial bond insurance is that you’ll be able to get jobs faster and easier. It will make you appear more trustworthy and will help you to get higher-paying jobs where a higher degree of trust is necessary for both parties. 

Best Janitorial Insurance Companies

Now, that you know a little bit more about how janitorial business insurance works, you’re probably wondering what some of the best janitor insurance providers are. If so, we’ve got you covered! Most insurance companies are capable of providing general liability insurance for small businesses. However, based on our research, we’ve found that the following insurers tend to be the most popular among cleaning and janitorial businesses. 

Progressive Janitorial Insurance

Progressive has been providing high-quality insurance to policyholders since 1937 and it has no plans of stopping. Although most know Progressive for the interesting tv commercials, Progressive also has a strong reputation in the business insurance sector. The company has garnered tons of positive reviews in terms of customer satisfaction and the overall friendliness of the agents. 

Whether you just need a simple janitorial insurance program for your self-employed business or you own a larger cleaning company with multiple employees, Progressive allows you to build your own policy so that you don’t have to worry about paying for extra coverage that you don’t need. 

Pros:

  • A long history of insuring businesses. 

  • Fair premiums and pricing. 

  • Friendly agents make handling claims a breeze. 

Cons:

  • They’re not the cheapest insurance company. 

Best For:

  • Small or large janitorial companies, commercial auto insurance. 

Average Cost: 

  • $65 to $130/month. 

Rating: 

  • 4.5/5 Stars. 

The Hartford Janitorial Insurance

Although the Hartford doesn’t spend as much on TV advertising as its larger competitors, it has grown a strong following among business owners who are looking for a low-cost, honest insurance provider without the headaches and constant back-and-forth communication. 

Like Progressive, the Hartford allows policyholders to build their own policies from the ground-up. This ensures that your janitor insurance policy is exactly what you need- nothing more, nothing less. Another key advantage of going with a smaller insurer like the Hartford (as opposed to a larger company) is that monthly premium costs are a bit lower since you’re not contributing to a massive advertising budget. 

The one drawback to the Hartford is that they can sometimes be slow when it comes to processing claims. Since they’re a smaller company, they often don’t have as many agents on-hand as larger insurers. Unless you forsee yourself using your insurance a lot, though, the Hartford should be just fine for most small janitorial businesses. 

Pros:

  • Tailor-made insurance policies for each business. 

  • Low-cost premiums. 

  • Honest, reliable insurer. 

Cons:

  • Claims may take a bit longer to process than they would with a larger insurer. 

Best For:

  • Small janitorial businesses with less than 10 employees. 

Average Cost: 

  • $70 to $135/month. 

Rating: 

4/5 Stars. 

Geico Janitorial Insurance

Geico is the largest insurance company in the nation and they provide everything from residential car and home insurance to liability business insurance for small cleaning businesses. Since they’re one of the larger insurance companies and have tons of policyholders, their pricing is quite fair. One of the top reasons why so many people use Geico is the company’s ease of use. They have a fast, up-to-date smartphone app where claims can be easily tracked and handled, and it’s never hard to speak with an in-person representative. 

Pros:

  • Fair pricing for janitorial liability insurance. 

  • Fast, easy app makes billing and handling claims easy. 

Cons:

  • Your business insurance isn’t quite as personal. 

Best For:

  • Mid to large-sized janitorial and cleaning companies. 

Average Cost: 

  • $85 to $185/month. 

Rating: 

  • 4/5 Stars. 


Get Free Janitorial Insurance Quotes! 

The numbers we’ve gone over thus far are just averages taken from small janitorial services around the country. However, to get more accurate janitorial insurance quotes, hit the get quotes button at this page, enter some basic information about your business and follow the process and you will receive custom quotes online almost shortly!

Compare Janitorial Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

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