Janitorial Insurance Coverage: Protect Your Cleaning Business from Common Risks

Common Liability Claims in the Janitorial Industry

Janitorial Insurance Coverage is essential for cleaning and janitorial businesses, which face unique third-party liability risks. Slip-and-fall accidents are the most frequent liability claims in this industry (1). Cleaners often reimburse clients for accidental property damage, such as spills or breakages. Lost keys also require costly lock replacements.

These claims can be expensive. The average liability award for a customer injury claim in the cleaning sector ranges from $60,000 to $100,000 per case. Without adequate Janitorial Insurance Coverage, a single mishap could impose a serious financial burden on a business.

Workers’ Compensation Risks and Injury Rates

Cleaning employees face significant on-the-job hazards. Janitors and cleaners report tens of thousands of work-related injuries each year. Their workplace injury rate is among the highest across all occupations (2).

Common injuries include muscle strains from lifting heavy objects or repetitive motions. Slips, trips, and falls on wet or cluttered floors are also frequent. Additionally, workers face exposure to harsh cleaning chemicals. These risks highlight the need for strong safety training and workers’ compensation coverage.

Coverage for Cleaning Equipment and Property

Protecting commercial equipment is another major concern for cleaning businesses. Standard property insurance may not cover specialized mobile equipment, such as carpet cleaners, floor buffers, or industrial vacuums. This exclusion applies once the items leave the primary business location.

Since cleaning companies regularly transport expensive tools to client sites, they need additional protection. Infinite Risk Management Insurance helps fill this gap with Janitorial Insurance Coverage. It protects equipment and supplies while in transit or stored at a client’s property. If vital cleaning machinery gets stolen or damaged off-site, the policy funds repairs or replacement. This coverage prevents major financial setbacks.

Small Business Insurance Cost Trends

Recent insurance market trends have created challenges for small businesses, including those in the cleaning industry. Commercial insurance premiums have steadily increased for several years. In late 2024, average rates climbed by about 5% (3). The industry has now faced consecutive quarterly premium increases for over seven years.

Certain coverages—especially commercial property and auto insurance—have surged even more. Some insurers have even refused to renew policies for higher-risk small businesses (4). These higher costs and stricter policies make it crucial for business owners to budget wisely. Investing in risk management also helps keep coverage affordable.

If you’re concerned about hidden gaps in your janitorial insurance coverage and the potential for massive financial exposure, it’s time to ensure your coverage is complete. We invite you to contact Infinite Risk Management & Insurance Solutions to learn how our customized insurance solutions can safeguard your business and secure your future. Our experienced team is ready to help you review your policies and implement effective risk management strategies.

📞 Contact us today: Infinite Risk Management & Insurance Solutions