Janitorial business insurance costs change depending on coverage type. MoneyGeek's analysis shows monthly premiums range from $49 for workers' compensation to $202 for a business owner's policy.
Updated: August 22, 2025
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Key Takeaways
Janitorial business insurance costs range from $49 to $202 monthly, depending on your coverage type.
Your janitorial insurance premiums depend on location, claims history, facility types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable janitorial business insurance costs.
Average Janitorial Business Insurance Cost Overall
| BOP | $202 |
| General Liability | $138 |
| Professional Liability (E&O) | $50 |
| Workers' Comp | $49 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Janitorial Business Insurance Cost for General Liability Coverage by State
Your janitorial business insurance cost for general liability coverage depends on where you operate. Alaska offers the most savings at $111 monthly (versus the $138 national average), while New York costs $160 monthly.
| Alabama | $135 |
| Alaska | $111 |
| Arizona | $131 |
| Arkansas | $132 |
| California | $153 |
| Colorado | $137 |
| Connecticut | $150 |
| Delaware | $148 |
| Florida | $149 |
| Georgia | $140 |
| Hawaii | $151 |
| Idaho | $131 |
| Illinois | $151 |
| Indiana | $134 |
| Iowa | $131 |
| Kansas | $134 |
| Kentucky | $128 |
| Louisiana | $160 |
| Maine | $119 |
| Maryland | $131 |
| Massachusetts | $145 |
| Michigan | $131 |
| Minnesota | $129 |
| Mississippi | $138 |
| Missouri | $136 |
| Montana | $137 |
| Nebraska | $130 |
| Nevada | $156 |
| New Hampshire | $137 |
| New Jersey | $156 |
| New Mexico | $139 |
| New York | $160 |
| North Carolina | $119 |
| North Dakota | $120 |
| Ohio | $128 |
| Oklahoma | $134 |
| Oregon | $128 |
| Pennsylvania | $159 |
| Rhode Island | $151 |
| South Carolina | $142 |
| South Dakota | $129 |
| Tennessee | $134 |
| Texas | $139 |
| Utah | $131 |
| Vermont | $132 |
| Virginia | $125 |
| Washington | $157 |
| West Virginia | $145 |
| Wisconsin | $135 |
| Wyoming | $127 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Janitorial Business Insurance Cost for Workers’ Compensation Coverage by State
Your janitorial business cost for workers' compensation varies by state. North Carolina offers the lowest rates at $42 monthly and New York the highest at $57 monthly. Our analysis reveals how state regulations and claim histories create these differences.
| Alabama | $48 |
| Alaska | $45 |
| Arizona | $46 |
| Arkansas | $47 |
| California | $54 |
| Colorado | $48 |
| Connecticut | $53 |
| Delaware | $53 |
| Florida | $53 |
| Georgia | $49 |
| Hawaii | $51 |
| Idaho | $46 |
| Illinois | $54 |
| Indiana | $48 |
| Iowa | $47 |
| Kansas | $47 |
| Kentucky | $46 |
| Louisiana | $55 |
| Maine | $42 |
| Maryland | $46 |
| Massachusetts | $51 |
| Michigan | $46 |
| Minnesota | $46 |
| Mississippi | $49 |
| Missouri | $48 |
| Montana | $48 |
| Nebraska | $46 |
| Nevada | $55 |
| New Hampshire | $49 |
| New Jersey | $55 |
| New Mexico | $49 |
| New York | $57 |
| North Carolina | $42 |
| Oklahoma | $46 |
| Oregon | $45 |
| Pennsylvania | $56 |
| Rhode Island | $53 |
| South Carolina | $50 |
| South Dakota | $46 |
| Tennessee | $47 |
| Texas | $49 |
| Utah | $47 |
| Vermont | $47 |
| Virginia | $44 |
| West Virginia | $51 |
| Wisconsin | $48 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
Janitorial Business Insurance Cost for Professional Liability Coverage by State
Your cost for professional liability varies by state, just like other business coverage types. While the national average runs $50 monthly, North Carolina offers the lowest rates at $42, and Nevada charges the highest for E&O insurance at $58 monthly.
| Alabama | $49 |
| Alaska | $44 |
| Arizona | $47 |
| Arkansas | $47 |
| California | $56 |
| Colorado | $50 |
| Connecticut | $54 |
| Delaware | $53 |
| Florida | $54 |
| Georgia | $51 |
| Hawaii | $53 |
| Idaho | $47 |
| Illinois | $54 |
| Indiana | $48 |
| Iowa | $47 |
| Kansas | $48 |
| Kentucky | $46 |
| Louisiana | $55 |
| Maine | $43 |
| Maryland | $48 |
| Massachusetts | $53 |
| Michigan | $46 |
| Minnesota | $47 |
| Mississippi | $50 |
| Missouri | $49 |
| Montana | $49 |
| Nebraska | $47 |
| Nevada | $58 |
| New Hampshire | $50 |
| New Jersey | $56 |
| New Mexico | $50 |
| New York | $58 |
| North Carolina | $42 |
| North Dakota | $43 |
| Ohio | $46 |
| Oklahoma | $47 |
| Oregon | $46 |
| Pennsylvania | $57 |
| Rhode Island | $55 |
| South Carolina | $51 |
| South Dakota | $46 |
| Tennessee | $48 |
| Texas | $51 |
| Utah | $46 |
| Vermont | $48 |
| Virginia | $46 |
| Washington | $56 |
| West Virginia | $52 |
| Wisconsin | $49 |
| Wyoming | $46 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Janitorial Business Insurance Cost for BOP Coverage by State
Business owner's policy rates show substantial state-by-state variation for janitorial businesses. Monthly premiums range from $166 in Alaska to $237 in New York for comparable coverage.
| Alabama | $196 |
| Alaska | $166 |
| Arizona | $192 |
| Arkansas | $197 |
| California | $223 |
| Colorado | $200 |
| Connecticut | $221 |
| Delaware | $214 |
| Florida | $220 |
| Georgia | $202 |
| Hawaii | $215 |
| Idaho | $192 |
| Illinois | $220 |
| Indiana | $195 |
| Iowa | $194 |
| Kansas | $194 |
| Kentucky | $192 |
| Louisiana | $235 |
| Maine | $172 |
| Maryland | $196 |
| Massachusetts | $213 |
| Michigan | $191 |
| Minnesota | $191 |
| Mississippi | $205 |
| Missouri | $199 |
| Montana | $199 |
| Nebraska | $193 |
| Nevada | $231 |
| New Hampshire | $203 |
| New Jersey | $230 |
| New Mexico | $207 |
| New York | $237 |
| North Carolina | $175 |
| North Dakota | $175 |
| Ohio | $187 |
| Oklahoma | $194 |
| Oregon | $186 |
| Pennsylvania | $234 |
| Rhode Island | $218 |
| South Carolina | $212 |
| South Dakota | $191 |
| Tennessee | $201 |
| Texas | $205 |
| Utah | $191 |
| Vermont | $195 |
| Virginia | $182 |
| Washington | $228 |
| West Virginia | $214 |
| Wisconsin | $197 |
| Wyoming | $186 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting Janitorial Business Insurance Cost
Insurance costs for your janitorial business are based on several factors that insurance companies review to set your rates. Understanding these factors helps you plan your budget better. We break down these cost elements below.
Geographic location
Your business location affects workers' compensation rates due to local regulations and claim frequencies. Operating in tornado-prone areas or high-crime neighborhoods increases your risk profile, and state differences create substantial premium variations.
Safety record and claims history
Previous claims impact future premiums, sometimes for three to five years. A single slip-and-fall lawsuit can substantially increase your general liability rates at renewal.
Types of properties serviced
Medical facilities and construction sites carry much higher liability risks than standard office buildings. Cleaning a dental office exposes you to bloodborne pathogens and specialized waste, while post-construction cleanup involves dust, debris and potential chemical exposure.
Employee count and payroll
Insurers calculate workers' comp premiums based on your total payroll and job classifications. Adding employees increases your payroll costs, directly impacting your workers' compensation premiums since insurers calculate your rates per dollar of wages paid.
Services offered
Window janitorial above ground level, carpet janitorial with chemical treatments and biohazard cleanup carry different risk levels. A company offering only basic office janitorial faces lower premiums than one providing specialized medical facility sanitization.
Business size and revenue
Higher annual revenue typically means higher premiums since insurers view larger operations as having greater exposure to claims. For instance, a solo house cleaner earning $50,000 annually will pay less than a commercial janitorial company with $500,000 in revenue.
Coverage limits
Higher coverage limits provide better protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Equipment and vehicle values
More expensive janitorial equipment and vehicles require higher coverage limits, increasing your premiums. A company using industrial floor buffers and carpet janitorial machines worth tens of thousands will pay more for equipment coverage than one using basic supplies.
Credit score and financial stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs substantially.
How to Get Cheap Janitorial Business Insurance
Smart shopping and risk management strategies can lower your janitorial business insurance costs, and the proven tips below will help reduce your premiums both now and as your safety record improves.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your janitorial company needs prevents overpaying for unnecessary coverage. General liability protects against customer accidents and property damage. Workers compensation covers employee injuries, while commercial property insurance protects your equipment and inventory.
- 2
Shop multiple insurance companies
Insurance rates can vary significantly between providers for the same coverage. Get quotes from at least three companies to find the best rates. Consider working with an independent agent who can compare quotes from multiple insurers for you.
- 3
Bundle your coverage types
Insurance companies offer substantial discounts when you bundle multiple policies together. Combining general liability, commercial property and commercial auto insurance with one carrier typically costs less than separate policies from different providers.
- 4
Increase your deductibles
Choosing higher deductibles reduces your monthly premium costs. This means you'll pay more out of pocket for smaller claims, but your regular insurance payments will be lower.
- 5
Pay annually instead of monthly
Monthly payment plans include processing fees that increase your total insurance costs. Paying annually eliminates these extra charges and may qualify you for additional discounts.
- 6
Review and adjust your coverage annually
Your insurance needs change as your business grows. Review your policies yearly to ensure coverage matches your current operations. Remove unnecessary coverage and adjust limits based on your business size and activities.
Insurance for Janitorial Business Cost: Bottom Line
Janitorial business insurance costs range from $49 to $202 monthly, with your location, claims history and business size driving your actual premium. Getting quotes from multiple insurers, bundling your policies, choosing higher deductibles and paying annually instead of monthly helps you find more affordable rates.
Janitorial Business Insurance Cost: FAQ
We researched the most common questions about janitorial business insurance costs and provided clear answers to help you make informed coverage decisions.
What is the cheapest type of janitorial business insurance?
Workers' compensation insurance costs $49 monthly, but only covers employee injuries. Most janitorial businesses need general liability coverage since it protects against customer accidents and property damage claims.
How much can I save by bundling my janitorial business insurance policies?
Bundling policies through a BOP offers the best value for janitorial businesses. You can save money by combining general liability and property coverage in one package.
What factors make my janitorial business insurance more expensive?
Several factors affect costs: claims history, location risks, facility types, workforce size, service offerings, equipment value and credit standing.
Should I choose a $500 or $2,500 deductible for my janitorial business insurance?
Higher deductibles lower your monthly insurance costs, but require more cash when filing claims. Consider your available funds and claim frequency when choosing between options.
How much does workers' compensation cost for janitorial businesses by state?
Workers' compensation costs for janitorial businesses range from $42 monthly in North Carolina to $57 monthly in New York, with rates varying based on your operating state.
Is business owner's policy (BOP) worth the extra cost for janitorial companies?
A business owner's policy costs $202, and it bundles general liability, commercial property and business interruption coverage. This package typically offers more value than purchasing individual policies for janitorial companies.
How often should I shop around for janitorial business insurance quotes?
Review your janitorial business insurance annually at renewal time. Compare at least three carriers to find better rates, particularly when your business grows or changes.
How We Determined Janitorial Business Insurance Costs
We collected janitorial business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
- Two employees (three people total, including the owner)
- $150,000 annual payroll
- $300,000 annual revenue
- Already insured status
- $1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage
This profile represents small janitorial businesses requiring comprehensive insurance coverage in most states. We chose companies offering broad national coverage and online quote capabilities, focusing on insurers that actively serve the janitorial industry.
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.