Janitorial Insurance
Comprehensive janitorial insurance that protects your business from property damage and guest injuries, giving you peace of mind to focus on maintaining pristine spaces while knowing your operations are secure.
.jpeg)
We protect janitorial businesses with deep expertise in your industry's unique liability challenges.
With over 25 years of specialized experience protecting janitorial service providers, our expert advisors bring comprehensive understanding of cleaning industry risks to every client relationship. We work closely with you to develop insurance solutions that safeguard against property damage, chemical exposures, and workplace injuries while anticipating evolving safety requirements and operational challenges. Our commitment to ongoing support ensures your janitorial business maintains comprehensive protection as your service offerings and client base expand.
Our licensed insurance professionals specialize in coverage for janitorial businesses, from independent cleaners to large commercial cleaning companies. Through continuous monitoring of OSHA regulations, safety protocols, and workplace hazard guidelines, we stay ahead of evolving industry challenges. This proactive approach ensures your policy provides comprehensive protection against chemical exposure incidents, slip-and-fall accidents, and property damage claims.
We go beyond standard insurance offerings to provide comprehensive protection tailored to your janitorial business needs. Our policies cover everything from chemical liability and equipment damage to slip-and-fall incidents and employee theft, ensuring every aspect of your cleaning operations remains fully protected.
Hear from our customers
%20(1).png)
Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
.png)
My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
.png)
Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
.png)
TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
.png)
Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Basic liability protectioncovers bodily injury, property damage, and personal injury claims resulting from slip-and-falls, equipment damage, or chemical exposure incidents.
• Products liability coveragesafeguards against harm caused by cleaning products, equipment, or completed operations including floor waxing, window cleaning, or sanitization.
• Premises liability protectionincludes coverage for accidents occurring at client locations during service delivery, storage areas, or temporary work zones.
• Legal defense coverageprovides representation for liability claims, including investigation costs, expert witness fees, and settlement negotiations when legally required.
• Equipment breakdown protectioncovers repair or replacement of cleaning machines, pressure washers, and floor buffers damaged during normal operations.
• Business personal propertysafeguards cleaning supplies, inventory, and mobile equipment during transport, storage, or use at client locations.
• Lost key coverageprovides financial protection for rekeying client facilities if building keys are lost, stolen, or damaged.
• Property damage reimbursementcovers accidental damage to client property, including fixtures, furniture, or equipment during cleaning operations.
• Workplace injury protectioncovers medical expenses, rehabilitation costs, and lost wages for employees injured while performing cleaning duties.
• Occupational illness coverageprovides benefits for health conditions caused by chemical exposure, repetitive motions, or workplace environmental factors.
• Emergency medical careensures immediate treatment access for work-related injuries, including ambulance services, hospital stays, and follow-up care.
• Disability benefits protectionoffers ongoing support for employees unable to work, including temporary, permanent, and partial disability situations.
• Service error protectioncovers financial losses from improper cleaning techniques, damaged surfaces, or inappropriate chemical use during operations.
• Contractual liability coveragesafeguards against breach of contract claims, missed service specifications, or failure to meet cleaning standards.
• Employee dishonesty protectioncovers losses from theft, fraud, or intentional damage caused by employees during service delivery.
• Client property protectionincludes coverage for damage to valuable items, sensitive equipment, or specialized surfaces during cleaning.
On average, Janitorial Insurance costs around $2,500 annually; however, individual premiums vary based on several factors:
Cleaning services provided in high-risk environments like industrial facilities or hospitals typically command higher premiums than standard office cleaning operations.
Companies using specialized cleaning equipment and hazardous chemicals face increased liability risks, resulting in premium adjustments to cover potential accidents.
Larger janitorial teams with documented safety training programs often qualify for lower premiums due to reduced workplace incident probability.
Night shift operations and access to secure facilities like banks increase risk exposure, leading to higher insurance costs for after-hours services.
Companies with clean claims records spanning multiple years generally receive more favorable rates compared to those with recent liability incidents.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
A comprehensive janitorial insurance package should include general liability, property damage, and workers' compensation coverage at minimum. Additional coverages like commercial auto and janitorial bonds may be required depending on your services and client contracts. Equipment coverage and environmental liability are recommended for businesses using specialized cleaning equipment or chemicals. Regular policy reviews ensure coverage aligns with evolving business operations and contractual requirements from clients.
General liability insurance typically covers accidental damage to client property during cleaning operations, subject to policy limits and deductibles. Coverage extends to incidents like broken items, water damage, or chemical accidents. However, intentional damage or improper use of cleaning products may void coverage. Maintaining detailed cleaning protocols, documenting pre-existing damage, and properly training staff on equipment usage helps prevent claims and ensures coverage remains valid.
Environmental liability coverage is recommended when using any cleaning products, including eco-friendly options, as both can cause unexpected reactions or damage. Your policy should specifically address chemical usage and potential environmental impacts. Some insurers require documentation of proper storage, handling procedures, and staff training. Maintaining updated SDS sheets and following manufacturer guidelines helps ensure coverage remains valid and reduces liability exposure.
Start Your Coverage Today
Request a Free Quote
For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
