What Kind of Insurance Do I Need for a Janitorial Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 26
- 2 min read
Starting a janitorial business is a smart move in today’s service-driven economy. Whether you’re offering commercial cleaning, office cleaning, industrial cleaning, or apartment turnover services, one thing is certain—you need the right insurance coverage to protect your business, your team, and your clients.
At Wexford Insurance, we specialize in helping janitorial and commercial cleaning businesses find tailored insurance solutions. In this guide, we’ll break down the essential types of insurance your janitorial business needs and why working with a niche-focused agency like Wexford Insurance gives you a competitive edge.
Why Insurance Is Critical for Janitorial Businesses
Janitorial work involves entering client properties, handling chemicals, operating equipment, and managing staff. Without proper coverage, a single accident or claim could put your business at serious financial risk.
This is the foundation of your coverage. It protects your business from third-party claims involving:
Property damage (e.g., spilling chemicals on a client’s carpet)
Bodily injury (e.g., a client slips on a wet floor)
Legal defense costs
If you or your employees use vehicles to transport cleaning supplies or travel between job sites, personal auto insurance won’t cover business-related incidents. Commercial auto insurance protects:
Company-owned vans or trucks
Liability for accidents involving business vehicles
Theft or damage to equipment stored in vehicles
If you have employees, most states require workers comp coverage. It protects your team and your business by covering:
Medical expenses for work-related injuries
Lost wages during recovery
Legal liability for employee claims
Whether you operate from an office, warehouse, or storage unit, this coverage protects your physical assets, including:
Office furniture and fixtures
Cleaning equipment and supplies
Computers and business records
Janitorial businesses rely on expensive tools like:
Floor scrubbers
Carpet extractors
Pressure washers
Vacuums and cleaning carts
Equipment insurance helps you recover from theft, damage, or breakdowns—keeping your business running smoothly.
Conclusion
Insurance isn’t just a safety net—it’s a strategic tool that protects your janitorial business from unexpected risks and builds trust with clients. From general liability to equipment coverage, each policy plays a role in keeping your business secure and profitable.
At Wexford Insurance, we work exclusively with janitorial and commercial cleaning companies. Our niche-focused insurance programs are designed to match your services, whether you clean offices, apartments, or industrial facilities. Ready to protect your business?
Contact us today to get started.
