How Much Does Janitorial Insurance Cost? 2025 Rates

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?

A janitorial business in the U.S. usually spends about $600 to $840 a year ($50 to $70 monthly) on a full business insurance package. But this is only a general estimate, your real cost can be higher or lower depending on your business and needs. 

Whether you run a small cleaning crew or a large janitorial business, understanding the price of business insurance is important for protecting your company. 

Insurance costs can vary based on your services, staff, and risks, but knowing the typical price range helps you plan ahead and choose the right protection. 

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
• Type of cleaning service (affects professional liability)
• Vehicle use for work (affects commercial auto insurance)

Knowing what affects the price of insurance makes it easier to figure out the coverage you need and plan for the true cost of protecting your janitorial business. 

Average Janitorial Insurance Costs For Coverage Types

Different types of insurance protect your janitorial business in different ways, and each one comes with its own price. Knowing the average cost of each coverage type can help you understand what you might pay and choose the policies that best fit your business. 

• 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

These are only average rates, so your actual price may be higher or lower depending on your business. 

General Liability Insurance

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

General liability insurance protects your janitorial business if you accidentally cause injury or damage while on the job. This is one of the most important types of insurance for janitorial companies because accidents can happen during everyday cleaning tasks. 

Several factors impact the cost of janitorial insurance including the size of your business, where you operate, and whether you perform high-risk tasks like cleaning at heights, handling hazardous materials, or working in construction zones.

Policy limits: $1 million per occurrence and $2 million aggregate.

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates are based on average annual premiums for janitorial businesses, compiled from both national carriers and regional insurance agencies. They reflect typical coverage limits for small-to-medium cleaning operations, considering risks such as property damage, slip-and-fall liability, and employee-related exposures. Actual premiums will vary depending on business size, number of employees, claims history, types of properties serviced (e.g., offices, schools, medical facilities), and state-specific regulations.

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 combines general liability insurance and property insurance in one easy package. For janitorial businesses, this means you get protection if you accidentally damage a client’s property, as well as coverage for your own equipment and supplies if they are damaged or stolen. 

A business owner’s policy is often more affordable than buying each policy separately and that’s why Insuranceopedia usually recommends this policy for small cleaning businesses. 

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

Many small and medium-sized cleaning companies choose a BOP because it offers broad protection at a lower cost and can include helpful add-ons like business interruption insurance. 

Policy limits: $1 million per occurrence and $2 million aggregate for liability.

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates reflect average Business Owner’s Policy (BOP) premiums for janitorial businesses, which typically combine general liability and commercial property coverage. Figures account for industry-specific risks such as slip-and-fall liability, equipment damage, employee injury, and property coverage for cleaning supplies and vehicles. Actual premiums will vary depending on business size, number of employees, services offered, location, coverage limits, and claims history.

Workers’ Compensation Insurance

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

Workers compensation insurance helps pay for medical bills and lost wages if an employee gets hurt or sick while at work. 

In a janitorial business, workers often lift heavy items, handle chemicals, or work in busy environments, which can lead to injuries. If something happens, this policy covers their treatment and helps them recover. 

Most states require janitorial companies with employees to have corkers compensation coverage. 

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

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates are based on average annual Workers’ Compensation premiums for janitorial businesses, incorporating state-specific base rates, employee classifications, and payroll ranges typical of both small independent cleaning services and larger multi-location janitorial companies. Actual premiums will vary depending on your business’s size, claims history, number of employees, and insurer underwriting practices.

Commercial Auto Insurance

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

Commercial auto insurance covers vehicles your cleaning business uses for work, such as vans used to carry cleaning supplies. If one of these vehicles is in an accident, this insurance helps pay for repairs, medical bills, or damage to someone else’s property. 

Several factors impact the cost including the number and type of vehicles, how often they are used, and the driving records of employees.

Most states require businesses to have insurance for vehicles they own. If you use personal, rented, or leased cars for work, you should get hired and non-owned auto insurance (HNOA) instead. 

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates reflect average annual premiums for janitorial businesses that operate service vans, pickup trucks, or utility vehicles used for transporting cleaning supplies, equipment, and staff to client sites. Rates are based on blended averages from both small and large agencies, incorporating regional risk exposure, liability coverage levels, and typical usage patterns unique to janitorial operations. Actual premiums will vary depending on fleet size, driving history, geographic territory, and insurer underwriting practices.

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.

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates are based on average annual premiums offered by both small and large insurance agencies for janitorial businesses. Actual premiums will vary depending on factors such as business size, number of employees, bond amount required by the state, credit history, and agency pricing models.

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.

Several factors impact the cost of umbrella insurance for a janitorial business depending 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.

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates reflect average annual premiums for Commercial Umbrella insurance tailored to janitorial operations, based on aggregated data from both small and large insurance agencies. Figures account for location-specific liability exposures, employee count, property types serviced, and claims history. Actual premiums will vary depending on your janitorial company’s unique profile, coverage limits, and insurer underwriting criteria.

Janitorial Business Insurance Costs By Provider

Janitorial business insurance costs will vary greatly depending on the insurance carrier. Use the table below to find average costs across different providers.

Note: These estimates are based on average annual premiums for janitorial businesses, considering both small and large agencies. Coverage typically includes general liability, workers’ compensation, commercial auto, and property insurance for cleaning equipment. Actual premiums will vary depending on factors such as business size, number of employees, location, services offered (residential vs. commercial cleaning), claims history, and coverage limits.

What Factors Impact Your Janitorial Insurance Costs?

The cost of janitorial insurance can change depending on many factors. Underwriters at insurance companies review your business to decide how risky it is and how much your premium should be. They consider things like, your number of employees, the type of cleaning services you offer, and your location. Knowing what underwriters look at can help you understand your insurance costs and plan your budget. 

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 means you need insurance, but that doesn’t mean you have to pay more than necessary. There are smart ways to reduce your insurance costs. Using the strategies mentioned below, you can help save money while keeping your business safe. 

1. Policy Bundles

Some insurance companies let you combine different policies, like general liability and property insurance, into one package. Bundling often costs less than buying each policy separately. 

2. Adjusting Coverage

You can choose higher deductibles or lower coverage limits to reduce your insurance premium. Just make sure you’re still protected for the most important risks.

3. Keeping A Clean Claims History

If you have few or no past claims, insurers see your business as lower risk, which can help lower your rates. 

4. Paying Annually

Paying your insurance once a year instead of monthly can sometimes save you money, because some companies give discounts for annual payments. 

5. Paying Only For Needed Coverage

Don’t pay for extra add-ons you don’t need. Focus on coverage that fits your janitorial business to keep costs down.