Janitorial business insurance averages $110 monthly, with costs ranging from $42 to $237 based on your state and coverage choices.
Get matched with cheap janitorial business insurance below.
Updated: October 10, 2025
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Janitorial business insurance costs $504 to $2,845 annually on average, varying by coverage type, location and industry specialization.
Your janitorial insurance rates depend on where you operate, past claims, types of properties you clean and how many employees work for you.
Shop multiple business insurers, combine policies, raise deductibles and pay yearly to lower your janitorial business insurance expenses.
We found average business insurance costs for janitorial companies for commonly needed coverage are as follows:
| BOP | $202 | $2,426 |
| General Liability | $138 | $1,653 |
| Professional Liability (E&O) | $50 | $597 |
| Workers' Comp | $49 | $585 |
Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
Your janitorial business insurance cost for general liability coverage depends on location. Alaska offers the best value at $111 monthly compared to the $138 national average, while New York costs $160 monthly.
| Alabama | $135 | $1,620 |
| Alaska | $111 | $1,326 |
| Arizona | $131 | $1,568 |
| Arkansas | $132 | $1,586 |
| California | $153 | $1,841 |
| Colorado | $137 | $1,640 |
| Connecticut | $150 | $1,796 |
| Delaware | $148 | $1,775 |
| Florida | $149 | $1,790 |
| Georgia | $140 | $1,679 |
| Hawaii | $151 | $1,814 |
| Idaho | $131 | $1,568 |
| Illinois | $151 | $1,815 |
| Indiana | $134 | $1,613 |
| Iowa | $131 | $1,574 |
| Kansas | $134 | $1,606 |
| Kentucky | $128 | $1,536 |
| Louisiana | $160 | $1,917 |
| Maine | $119 | $1,432 |
| Maryland | $131 | $1,578 |
| Massachusetts | $145 | $1,735 |
| Michigan | $131 | $1,566 |
| Minnesota | $129 | $1,551 |
| Mississippi | $138 | $1,661 |
| Missouri | $136 | $1,633 |
| Montana | $137 | $1,646 |
| Nebraska | $130 | $1,564 |
| Nevada | $156 | $1,875 |
| New Hampshire | $137 | $1,644 |
| New Jersey | $156 | $1,873 |
| New Mexico | $139 | $1,663 |
| New York | $160 | $1,919 |
| North Carolina | $119 | $1,432 |
| North Dakota | $120 | $1,437 |
| Ohio | $128 | $1,534 |
| Oklahoma | $134 | $1,609 |
| Oregon | $128 | $1,536 |
| Pennsylvania | $159 | $1,905 |
| Rhode Island | $151 | $1,816 |
| South Carolina | $142 | $1,703 |
| South Dakota | $129 | $1,546 |
| Tennessee | $134 | $1,613 |
| Texas | $139 | $1,668 |
| Utah | $131 | $1,574 |
| Vermont | $132 | $1,588 |
| Virginia | $125 | $1,506 |
| Washington | $157 | $1,880 |
| West Virginia | $145 | $1,735 |
| Wisconsin | $135 | $1,623 |
| Wyoming | $127 | $1,529 |
Note: We based these general liability rates on janitorial businesses with two employees across different states. Your rates will vary based on your location, claims history and the types of properties you clean.
Your janitorial business's cost of workers' compensation insurance depends on your state location. For example, you'll pay around $42 monthly in North Carolina but $57 in New York. Our analysis shows that state regulations and claim histories affect these pricing 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 |
Note: We based these workers' comp rates on janitorial businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.
Your professional liability cost varies by state. Nationwide, this coverage averages $50 monthly. North Carolina offers the most affordable rates at $42 per month, while Nevada ranks highest at $58 per month.
| 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 |
Note: We based these professional liability rates on janitorial businesses with two employees across different states. Your actual rates will depend on your services offered and location.
Janitorial business insurance costs vary based on your state's regulations and risk factors. BOP insurance cost ranges from $166 in Alaska to $237 in New York for the same coverage.
Alaska offers the most affordable rates at $166 monthly, while New York commands the highest premiums at $237. This $71 difference reflects varying state regulations, labor costs and claim frequencies across different regions.
| 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 |
Note: We based these BOP rates on janitorial businesses with two employees across different states. Your actual rates will vary based on your business size, location and coverage needs.
Janitorial business insurance costs vary widely by provider, ranging from $51 to $202 monthly. These differences reflect each insurer's market focus and risk assessment strategies, which shift over time based on profitability and coverage expansion opportunities.
| Chubb | $138 | $1,653 |
| Coverdash | $108 | $1,301 |
| Hiscox | $202 | $2,418 |
| NEXT Insurance | $93 | $1,122 |
| Nationwide | $89 | $1,066 |
| Progressive Commercial | $113 | $1,352 |
| Simply Business | $99 | $1,190 |
| The Hartford | $89 | $1,064 |
| Thimble | $51 | $609 |
| biBERK | $128 | $1,541 |
Your janitorial business insurance cost depends on multiple factors that insurers evaluate when pricing your policy:
Where your crews work shapes premiums through local wage levels and legal environments. Operating in cities with high living costs or aggressive litigation patterns means paying more than companies serving smaller, less litigious communities.
Slip-and-fall accidents and worker injuries cast a long shadow over future rates. One serious incident involving a team member or building occupant can keep your insurance costs elevated well beyond the year it occurred.
Cleaning medical offices exposes you to biohazards and strict compliance standards. Servicing hospitals or laboratories demands more specialized training and insurance than maintaining standard retail spaces or corporate offices.
Labor-intensive cleaning work means workers' comp forms a major expense category. Scaling from a solo operator to managing evening shifts across multiple buildings increases your total insurance outlay.
Basic dusting and vacuuming presents minimal hazards compared to specialized tasks. Companies offering high-rise window washing, post-construction cleanup or handling harsh chemical stripping have substantially elevated risk profiles.
Contract volume reflects how much exposure insurers see in your operation. Small outfits bringing in $70,000 servicing a handful of accounts pay far less than regional companies managing $600,000 worth of facility contracts.
Building owners frequently mandate specific insurance thresholds before awarding contracts. Carrying $1 million versus $3 million in liability coverage makes the difference in which clients you can serve, though higher limits obviously cost more.
Floor buffers, vacuums and cleaning supplies add up quickly across multiple crews. Businesses investing in commercial-grade machinery and company vehicles for transporting teams require more property coverage than those using basic tools.
Personal and business credit both influence how insurers price your policy. Maintaining good credit standing can reduce what you spend, while financial red flags often result in surcharges that cut into already slim margins.
Lowering your janitorial business insurance costs takes a mix of smart planning and informed choices. Our step-by-step guide will help you compare providers, identify discounts and develop stronger business practices so you can secure affordable coverage and improve your risk profile over time.
Janitorial companies need general liability for slip-and-fall accidents and property damage from cleaning mishaps, commercial auto if you transport staff and equipment to job sites, and workers' compensation since cleaners have chemical exposure and repetitive motion injuries.
Add professional liability for errors like using the wrong cleaning products that damage surfaces, equipment coverage for vacuums and floor machines and consider bonding insurance to protect clients against employee theft.
Janitorial insurance costs vary based on whether you clean residential homes, office buildings or medical facilities requiring specialized disinfection protocols. Cleaning-focused insurers understand the risks of working in client spaces with valuable equipment and confidential materials.
Combining general liability, commercial auto and bonding insurance saves 16% to 23% compared to purchasing separately.
Higher deductibles of $1,000 to $2,500 can reduce premiums by 18% to 25%, but consider that property damage claims from spills or broken items happen often in janitorial work. Keep general liability deductibles low since slip-and-fall accidents in freshly mopped areas or damage to client property can lead to costly lawsuits.
Monthly payment plans add 5% to 10% in installment charges that reduce your profit margin on cleaning contracts. Paying annually removes these fees and earns a 5% to 8% discount, saving $200 to $450 on a $3,000 policy that you can use for staff training or marketing.
Review your policy whenever you hire additional janitors, expand into specialized services or add commercial clients with higher liability requirements.
Janitorial business insurance costs between $42 and $237 per month, but your exact rate depends on factors like location, claims history and company size. To save on premiums, compare quotes from several insurers, bundle multiple policies, opt for higher deductibles and consider paying annually instead of monthly.
Janitorial business owners commonly ask about insurance costs. We answered the most frequent questions below:
Workers' compensation costs $49 monthly and only covers employee injuries. Most janitorial companies require general liability coverage ($138 monthly) to protect against customer accidents and property damage claims.
You'll pay more in these states. General liability in California runs $153 monthly (versus $138 national average), and BOP costs $223 monthly (versus $202 average). New York is similar at $160 and $237, respectively.
Bundling janitorial business insurance policies delivers greater savings compared to purchasing individual coverage. Insurance companies provide discounts when you combine general liability, commercial property and commercial auto insurance through a single carrier.
Multiple factors increase premiums: working in high-risk areas, past insurance claims, specialized cleaning services, larger workforce size, expensive equipment, poor credit history, and hazardous material handling.
Higher deductibles reduce monthly premiums but increase your out-of-pocket costs during claims. Consider your business's financial reserves and claim frequency expectations when deciding.
Workers' compensation costs for janitorial businesses vary by state, spanning from $42 monthly in North Carolina to $57 monthly in New York for coverage.
Yes, BOP insurance is worth the extra cost for janitorial companies. BOP averages $202 monthly for janitorial businesses and combines general liability, commercial property and business interruption coverage. This bundled approach costs less than purchasing separate policies while offering greater convenience.
Shop annually when your policy renews. Comparing quotes from multiple insurers can uncover savings, especially after expanding your workforce or adding new cleaning services.
We collected janitorial business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
We used a typical small janitorial business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that 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.
