How Much Does Janitorial Insurance Cost? 2025 Rates

In 2025, U.S. janitorial businesses can expect to pay between $600 and $840 annually for comprehensive business insurance, averaging $50 to $70 per month. The primary cost drivers are business size, number of employees, coverage limits, location, services offered, claims history, and type of cleaning (residential vs. commercial).

How Much Does Janitorial Insurance Cost?

The average janitorial business in the U.S. pays between $600 and $840 per year for a full business insurance package. That breaks down to roughly $50 to $70 per month. However, this is just a ballpark range and actual costs can vary widely depending on your specific situation.

A solo cleaner working part-time in homes will pay much less than a large company cleaning commercial buildings with several employees.

Factors like the types of services you offer, the number of workers, the equipment and chemicals you use, your location, and your claims history all affect your business insurance cost. For example, businesses using ladders or cleaning hazardous areas may pay more due to higher risk.

Here are some of the biggest cost drivers:

• Number of employees (affects workers’ comp and liability)
• Property size and value (affects commercial property coverage)
• Past claims history (insurers charge more if you’ve filed claims)
• Business interruption coverage and other add-ons

Understanding these variables can help you better estimate your insurance needs and prepare for the real costs of protecting your janitorial business.

Average Janitorial Insurance Costs For Coverage Types

When it comes to protecting your janitorial business, different types of insurance cover different risks. Understanding the average cost, coverage details, and what influences pricing for each policy type can help you build a more effective insurance plan. Here’s a closer look at the major coverages most janitorial businesses need.

• General liability insurance: $50 per month
• Business owner’s policy: $71 per month
• Workers’ compensation insurance: $129 per month
• Commercial auto insurance: $167 per month
• Janitorial bonds: $11 per month
• Commercial umbrella insurance: $61 per month

General Liability Insurance

The average cost of general liability insurance for a janitorial business is about $50 per month.

General liability covers third-party bodily injury, property damage, and advertising injuries. For example, if you’re cleaning a client’s office and accidentally knock over and break an expensive computer, this policy would help pay to replace the damaged item and cover any related legal costs if the client sues.

Typical policy limits are $1 million per occurrence and $2 million aggregate.

Factors that influence the cost of janitorial insurance include the size of your business, where you operate, your past claims history, and whether you perform high-risk tasks like cleaning at heights, handling hazardous materials, or working in construction zones.

Business Owner’s Policy (BOP)

The average cost of a business owner’s policy (BOP) is about $71 per month for a janitorial business.

A BOP bundles general liability insurance with commercial property insurance. It protects against customer injuries, property damage, and loss or damage to the equipment. For example, if a janitorial company’s storage unit catches fire and destroys cleaning machines and supplies, the BOP would help cover the cost to replace the equipment and repair the damaged property.

Typical policy limits are $1 million per occurrence and $2 million aggregate for liability, with separate property coverage limits based on the value insured.

Cost factors include the value of your cleaning equipment and property, the risk level of your location (like high crime or flood-prone areas), your annual revenue, number of employees, and any extra coverage you choose, such as equipment breakdown or business interruption insurance.

Workers’ Compensation Insurance

The average cost of workers’ compensation insurance for a janitorial business is around $129 per month.

Workers’ comp covers medical bills, rehabilitation, and lost wages for employees injured on the job. For example, if a janitor slips on a wet floor while mopping and injures their back, workers’ compensation would help pay for their medical treatment and cover a portion of their lost wages while they recover.

Policy limits are regulated by each state, but typically include medical costs and a percentage of lost wages without a set cap.

Premiums are influenced by the size of your payroll, the type of work employees perform, your claims history, and any implemented safety programs.

Commercial Auto Insurance

The average cost of commercial auto insurance for a janitorial business is about $167 per month.

Commercial auto insurance covers vehicles owned or used by the business for accidents, theft, vandalism, or damage. For example, if a janitorial employee gets into an accident while driving a company van to a cleaning job, this policy would cover the repair costs and any third-party injury or property damage claims.

Factors influencing the cost include the number and type of vehicles, how often they are used, the driving records of employees, and whether you add endorsements like hired and non-owned auto insurance (HNOA) for employee-owned vehicles used for deliveries.

Janitorial Bonds

The average cost of janitorial bonds is about $11 per month. Janitorial bonds, also known as surety bonds or cleaning service bonds, are a type of protection that gives your clients peace of mind. They protect your customers in case one of your employees steals or damages a client’s property while on the job.

While not legally required in most places, many clients, especially commercial accounts, will ask for a janitorial bond before signing a contract.

The cost of a janitorial bond depends on the amount of coverage you choose, since you only pay a small percentage of the total bond value.

Commercial Umbrella Insurance

The average cost of commercial umbrella insurance for a janitorial business is about $61 per month.

Umbrella insurance is extra protection that goes beyond the limits of your regular business insurance, like general liability or commercial auto. It helps cover large claims that cost more than your basic policies will pay.

This type of insurance can help a janitorial business if something big goes wrong, like a serious accident or expensive lawsuit.

The cost of umbrella insurance for a janitorial business depends on how risky your work is and how much extra coverage you want. Before you can get umbrella insurance, you need to have a certain amount of basic coverage already in place, like general liability or auto insurance.

What Factors Impact Your Janitorial Insurance Costs?

Janitorial insurance premiums are carefully calculated by insurance underwriters based on your business’s level of risk. Factors like the type of cleaning services you offer, the locations you work in, the number of employees you have, the equipment and chemicals you use, and your past claims history all play a role in determining how much you’ll pay for coverage.

Type Of Cleaning Services

Different cleaning businesses have different levels of risk. A solo cleaner working in homes has fewer risks than a company doing commercial or industrial cleaning. High-risk jobs, like window cleaning on tall buildings or post-construction cleanup, usually cost more to insure.

Use Of Hazardous Materials

If your business uses strong chemicals, solvents, or equipment that could harm people or damage property, your insurance premium may be higher. Safer, eco-friendly cleaning methods may reduce your costs.

Location

Where you work matters. If your business operates in a high-crime area or a place prone to natural disasters (like floods or wildfires), your property and liability insurance will likely cost more. Working in lower-risk areas can help keep your rates down.

Size Of Your Business

The more employees, vehicles, and equipment you have, the higher the chance of something going wrong. A bigger operation also means higher payroll, which increases your workers’ compensation costs.

Equipment And Property Value

If your business owns expensive equipment like floor buffers, carpet cleaners, or company vans, you’ll pay more to insure them. You may also want to add equipment breakdown coverage to protect against repair or replacement costs.

Claims History

If your business has made several past insurance claims, like for damaged property or customer injuries, your premiums will likely go up. Keeping a clean claims record can help lower your insurance rates over time.

Insurance Provider

Not all insurance companies charge the same. Some specialize in small service businesses like cleaning companies and may offer better rates or flexible options. It’s a good idea to compare quotes from a few different providers.

How To Lower Your Janitorial Insurance Costs

Running a janitorial business can be expensive, but your insurance bill doesn’t have to break the bank. While you can’t eliminate the need for coverage, you can take smart steps to reduce your premiums without sacrificing protection. Here are some practical ways to lower your janitorial insurance costs:

1. Bundle Your Policies

One of the easiest ways to save is by bundling multiple policies. Most insurers offer a Business Owner’s Policy (BOP) that combines general liability and property insurance at a lower rate than if you bought them separately. If you also need workers’ compensation, bundling both through the same provider can lead to additional discounts. Not only does this simplify your paperwork, but it also makes your coverage more cost-efficient.

2. Ask About Discounts

Insurance companies often reward businesses that commit to a policy long-term. Ask your provider if they offer multi-year discounts for signing a two- or three-year agreement instead of renewing annually. You might also qualify for lower rates if you pay your premium in full instead of in monthly installments.

3. Implement Safety Measures

Accidents can be costly for both your janitorial business and your insurance company. By reducing the risk of injuries or damage, you may be able to lower your insurance premiums over time. For example, using wet floor signs while mopping, training employees on safe cleaning practices, keeping walkways clear of equipment or cords, and regularly checking and maintaining cleaning machines can all help reduce the chance of accidents and claims.

4. Create A Safe Working Environment

A strong safety program can help lower workers’ compensation costs for a janitorial business. This means training your staff on safe cleaning methods, proper lifting techniques to avoid back injuries, how to handle cleaning chemicals safely, and what to do in case of a fire or emergency. Making safety a priority helps prevent accidents on the job. Fewer injuries mean fewer insurance claims, which can lead to lower premiums over time.

5. Adjust Your Deductible

Your deductible is the amount you pay out of pocket before insurance coverage kicks in. Choosing a higher deductible can significantly reduce your monthly premiums. Just make sure you can comfortably cover that amount if a claim arises.

By taking these steps, you not only save money but also make your janitorial business a safer and more resilient business.