NEXT, The Hartford and Nationwide earned our top spots for the best small business insurer for janitorial companies due to their outstanding customer service and comprehensive coverage. However, we recommend comparing quotes from our other top picks, including Thimble.
Best Janitorial Business Insurance
Updated: July 11, 2025
Advertising & Editorial Disclosure
Key Takeaways
NEXT, The Hartford and Nationwide are tied as the best business insurance companies for janitorial firms because they offer the greatest balance of customer service and coverage.
The cheapest overall commercial insurance provider for janitorial businesses is Thimble, with low monthly rates for various coverage types.
To shop for business insurance for your janitorial business, assess the risks in your industry, consult agents and other similar organizations and compare multiple options.
Best Business Insurance for Janitorial Companies
| NEXT Insurance | 93 | 92 | 94 |
| The Hartford | 93 | 93 | 91 |
| Nationwide | 93 | 93 | 91 |
| Thimble | 91 | 98 | 81 |
| Simply Business | 91 | 91 | 83 |
| Coverdash | 89 | 90 | 83 |
| biBERK | 89 | 87 | 91 |
| Chubb | 88 | 86 | 87 |
| Progressive Commercial | 87 | 89 | 81 |
| Hiscox | 83 | 80 | 87 |
*All scores were based on a janitorial business with two employees across professional liability, general liability, workers' comp and BOP policies.
1. NEXT
pros
High customer satisfaction rating
Strong digital tools for small businesses
Competitive professional liability rates
cons
Limited custom coverage for large crews
COMPANY HIGHLIGHTS
NEXT offers janitorial companies a fully digital insurance experience. It scores well for both affordability and service, with top customer satisfaction ratings. NEXT offers competitive rates on professional liability ($47 per month) and BOP coverage ($170), making it an excellent choice for growing cleaning businesses.
With a 4.7‑out‑of‑5 rating from thousands of users, it’s a favorite among small business owners. However, janitorial firms with large teams or specialized contracts may want additional customization options.
2. The Hartford
pros
Cheapest professional liability insurance
Strong financial stability (A+ AM Best)
Competitive pricing across multiple policies
cons
Less modern quoting experience
COMPANY HIGHLIGHTS
The Hartford offers reliable coverage for janitorial businesses, with the lowest professional liability insurance at just $44 per month. It also ranks among the top providers for general liability and workers' comp pricing. The company is backed by an A+ from AM Best, which speaks to its long-term claims stability. While the digital interface isn’t as sleek as newer platforms, The Hartford is ideal for janitorial businesses that need trusted, full-scale protection.
3. Thimble
pros
Lowest rates across all policies
Flexible, on-demand coverage
Easy-to-use app interface
cons
No phone-based customer support
COMPANY HIGHLIGHTS
Thimble is the most affordable insurer for janitorial businesses, offering the lowest rates for general liability ($42 per month), workers' comp ($21), and BOP ($65). Its on-demand and monthly coverage options are ideal for part-time cleaners or those just starting out. While Thimble receives high ratings on forums like Trustpilot, one major limitation is its support model — all communication is handled through the app or email with no phone support. That said, it's the best option for budget-focused operators who want speed and flexibility.
Cheapest Business Insurance for Janitorial Firms
Based on our study of business insurance pricing, Thimble offers the cheapest overall commercial insurance for janitorial companies across most policy types. However, this applies only to janitorial companies with two employees, and you may find lower rates elsewhere. Below are the most affordable providers by major coverage types.
Cheapest General Liability Insurance for Janitorial Companies
With an average monthly rate of $42, Thimble offers the lowest-cost general liability insurance for janitorial companies. Even so, consider getting quotes from the next-most-affordable insurers: Nationwide and NEXT Insurance.
| Thimble | $42 | $503 |
| Nationwide | $98 | $1,175 |
| NEXT Insurance | $117 | $1,405 |
| The Hartford | $117 | $1,398 |
| Simply Business | $119 | $1,433 |
| Coverdash | $135 | $1,616 |
| Progressive Commercial | $140 | $1,681 |
| Chubb | $173 | $2,070 |
| biBERK | $176 | $2,118 |
| Hiscox | $277 | $3,326 |
Cheapest Workers' Comp Insurance for Janitorial Companies
For janitorial businesses shopping for workers' comp insurance, Thimble tops our list as the most affordable insurer, with average rates of $21 per month or $250 yearly.
Still, it’s worth checking quotes from other low-cost insurers like Progressive Commercial, Simply Business, Hiscox and NEXT Insurance.
| Thimble | $21 | $250 |
| Progressive Commercial | $22 | $270 |
| Hiscox | $23 | $279 |
| Simply Business | $23 | $279 |
| Coverdash | $24 | $286 |
| NEXT Insurance | $24 | $291 |
| The Hartford | $24 | $283 |
| biBERK | $25 | $294 |
| Nationwide | $26 | $314 |
| Chubb | $28 | $337 |
Cheapest Professional Liability Insurance for Janitorial Companies
The Hartford offers the most affordable professional liability insurance options for janitorial companies, with low average monthly rates of $44. Also, consider getting quotes from NEXT Insurance, Progressive Commercial and Thimble.
| The Hartford | $44 | $533 |
| NEXT Insurance | $47 | $560 |
| Progressive Commercial | $47 | $568 |
| Hiscox | $49 | $589 |
| Simply Business | $49 | $585 |
| Thimble | $49 | $585 |
| Coverdash | $50 | $598 |
| biBERK | $51 | $616 |
| Nationwide | $54 | $648 |
| Chubb | $58 | $695 |
Cheapest BOP Insurance for Janitorial Companies
Thimble provides the most affordable BOP coverage for janitorial companies, with an average yearly cost of $785 for bundled general liability and property protection. That’s a savings of roughly $979 annually compared to Nationwide, the second most affordable option.
| Thimble | $65 | $785 |
| Nationwide | $147 | $1,764 |
| The Hartford | $148 | $1,781 |
| NEXT Insurance | $170 | $2,039 |
| Simply Business | $180 | $2,159 |
| Coverdash | $196 | $2,350 |
| Progressive Commercial | $212 | $2,538 |
| biBERK | $230 | $2,756 |
| Chubb | $259 | $3,108 |
| Hiscox | $418 | $5,022 |
What Type of Coverage Do You Need for a Janitorial Business?
Most companies with employees are legally required to carry workers' comp insurance, and businesses that use vehicles must have commercial auto coverage. Many clients or contracts also require businesses to carry general liability insurance before starting work. A surety bond may also be necessary in certain industries, especially when contracts require guarantees of service or compliance.
RECOMMENDED JANITORIAL BUSINESS COVERAGE
General liability insurance is strongly recommended for janitorial companies because it covers common risks like bodily injury, property damage and legal defense costs. Professional liability insurance is also a smart option for businesses that work under client contracts or provide specialized services. It helps janitorial businesses with commercial contracts or high-risk jobs, like technical, legal or customized services.
How to Get the Best Cheap Business Insurance for Your Janitorial Company
Here's a step-by-step method for finding the best and cheapest business insurance for your janitorial company.
- 1
Decide on coverage needs before buying
Consider risks specific to your business for claims, get advice from similar businesses, talk to agents and research the types of business insurance. This will give you a balanced perspective on your coverage needs and prevent you from being convinced to get excessive coverage.
- 2
Research costs
To ensure you get the best deal, research average costs for your business profile and determine which providers offer the cheapest rates overall. This helps you see how much you're saving when comparing quotes and which companies to start with.
- 3
Look into company reputations and coverage options
Research what customers say on online rating sites and forums to get a more comprehensive look at company services. Also, to align with your coverage needs and future ones, research coverage options to ensure you're covered for the right items.
- 4
Compare multiple quotes through different means
The tried-and-true method for finding the best deal is to compare multiple quotes for apples-to-apples coverage. Pricing differs by your comparison method, whether with captive agents, comparison sites, company websites or independent agents.
- 5
Reassess annually
Your business situation will change, influencing your rates and coverage needs. Repeat these steps annually to ensure you still have the best deal.
How to Decrease Your Janitorial Business's Liability Risk
Reducing liability risks helps control insurance costs in your janitorial business. We've organized risk mitigation strategies by risk level or service type to help you find the right approach for your needs.
Janitorial Business Risk Type | Included Business Types | Risk Mitigation Tactics |
|---|---|---|
Highest | Medical cleaning, industrial janitorial | Follow OSHA and CDC cleaning protocols, train on chemical safety and PPE, perform risk audits regularly, require client sign-off on high-risk jobs |
Moderately High | Post-construction, commercial facilities | Use pre-service inspections, follow tool checklists, train staff on debris removal safety, document property condition before/after service |
Moderate | Office and retail janitorial, residential cleaning | Display wet floor signage, separate personal and work keys/supplies, use standard cleaning protocols, document special client requests |
Lowest | One-person cleaners, part-time or Airbnb-focused | Carry general liability at $1M minimum, use signed service agreements, track inventory used per job, avoid high-value item areas unless escorted |
Best Insurance for Janitorial Business: Bottom Line
NEXT Insurance is the best insurer for janitorial business insurance, while Thimble offers the most affordable option overall. We also recommend getting quotes from The Hartford and Nationwide. For the best deal, talk to agents, research providers and pricing, and compare multiple quotes side by side.
Janitorial Business Insurance: FAQ
This section answers frequently asked questions about insurance for janitorial businesses.
Who offers the best janitorial business insurance overall?
NEXT, The Hartford and Nationwide are tied as the best business insurance for janitorial companies, with excellent customer service ratings and MoneyGeek scores of 93 out of 100.
Who has the cheapest business insurance for janitorial companies?
Here are the cheapest business insurance companies for janitorial companies by coverage type:
- Cheapest general liability insurance: Thimble at $42 per month
- Cheapest workers' comp insurance: Thimble at $21 per month
- Cheapest professional liability insurance: The Hartford at $44 per month
- Cheapest BOP insurance: Thimble at $65 per month
What business insurance is required for janitorial organizations?
Workers' compensation insurance (if you have employees) and commercial auto insurance (if you own business vehicles) are legally required for janitorial businesses, with requirements varying by state. While not legally mandated, most commercial clients and property leases require general liability insurance and surety bonds.
How much does janitorial business insurance cost?
Business insurance costs for janitorial companies depend on staff size, cleaning services provided, and liability risks. Below are the average monthly costs for key coverage types:
- General Liability: $129 per month
- Workers Comp: $24 per month
- Professional Liability: $49 per month
- BOP Insurance: $203 per month
How We Chose the Best Janitorial Business Insurance
We selected the best business insurer for janitorial companies based on the following criteria:
- Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better it performs.
- Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
- Coverage (15% of score): We scored business insurance for this category based on the flexibility, payment and actual coverage options.
- Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely a company is to pay out claims compared to the competition.
All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:
- Three-person business with two employees
- Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
- $150,000 in payroll
- $300,000 annual revenue
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AM Best. "Hartford Fire Insurance Company." Accessed June 16, 2025.
- NEXT. "Customer Reviews." Accessed June 16, 2025.
- Trustpilot. "Thimble." Accessed June 16, 2025.