Janitorial and cleaning business insurance explained.

Cleaning and janitorial services insurance is essential for companies that maintain buildings. These businesses face various risks that can create large, unexpected expenses, so they need cleaning business insurance coverage for their people, property, and operations.

However, owners are busy people who may not have time to research several policy types to determine which they need. THREE recognizes that dilemma and offers cleaning and janitorial services insurance in one comprehensive policy that addresses common risks faced by these businesses.

If you’re a cleaning company or janitorial services provider that needs insurance for your cleaning business, it’s crucial to get it from the right source. That means buying from a reliable business insurance provider. If you’re considering THREE for your coverage, you can get a quote online now.

If you still have questions, this article describes how to get coverage, what to expect from a small business insurance policy, and other important topics for owners. It’s a helpful resource that describes what you should expect from your small cleaning business insurance policy and addresses other essential topics for business owners.

Who needs cleaning business insurance?

All professional cleaning and janitorial businesses need cleaning insurance coverage they can count on to protect their operations and financial stability. This includes solo operators, independent contractors, and owners of small, multi-employee firms. The type and amount of coverage needed can vary depending on the services offered, but regardless of size or specialization, insurance is a foundational element of any legitimate and professional cleaning company.

This is true for a wide range of specialties, including:

• Residential cleaners and housekeepers

• Commercial and office cleaners

• Maid services and other specialized cleaning providers

Beyond protecting the business itself, having cleaning/janitorial insurance also serves as a mark of professionalism. Many clients, especially commercial ones, will require proof of insurance before hiring a service provider. Having a policy in place helps you secure more jobs and shows potential clients that you are a trustworthy and reliable partner.

How does insurance for a cleaning company protect employees?

No business owner wants to see one of their employees stuck with significant medical expenses if injured on the job. They also want to avoid being liable for on-the-job injuries.

A THREE cleaning business insurance policy can include Workers’ Compensation insurance. Workers' Compensation for cleaning companies helps pay bills for medical care associated with work-related injuries. Just as important to many families, it can also help pay for lost wages as an employee recovers.

Are all companies required to have Workers’ Comp insurance? That’s a question the authorities in your state must answer. Generally speaking, most companies with employees must have Workers’ Compensation insurance. That includes small cleaning businesses.

There are many benefits to having Workers’ Comp and other coverages. Having the right janitorial services insurance provides protection that supports growth, safeguarding your business as you take on larger clients and more complex contracts. It also helps you meet professional standards, signaling to clients and partners that you run a credible, reliable, and well-prepared business.

With a provider like THREE, you'll find that understanding which policies matter doesn’t have to be overwhelming. This clarity provides the stability for long-term success, giving your small cleaning business the consistency and peace of mind needed to focus on scaling your services.

How does janitorial company insurance protect your business?

A THREE business insurance policy protects your janitorial business property in a few ways. If a storm hits and damages or destroys your cleaning supplies and equipment, property insurance can help pay for repairs and replacement. Storm damage is just one of many possible risks. There are countless ways your business can suffer property damage. One major benefit of a THREE janitorial insurance policy is that you don’t have to list or name all the property risks you face. The policy covers the most common types of property damage that affect businesses like yours.

Another way THREE protects your property is through our cleaning insurance policy’s commercial auto coverage. A THREE insurance policy for a cleaning business provides financial protection from many commercial auto risks. It applies to company-owned or company-leased vehicles and can pay for expenses like:

• Accidental liability: Imagine one of your employees is at fault in an accident involving another vehicle. The injured driver of that car sues your business for the cost of their vehicle repairs and medical care. Insurance for janitorial businesses can cover those expenses.

• Towing reimbursement: If your vehicle is inoperable after a collision and must be towed to a repair facility, your THREE policy can pay that cost.

• Collision damage: Let’s say it will cost $2,500 to repair accident damage to the van you drive to worksites. Here again, insurance for janitorial businesses can pay this bill.

How does insurance for cleaning services protect my operations?

A THREE cleaning business insurance policy protects your operations in many ways. One is that the policy can cover mistakes by your team members. Cleaning and janitorial work involves countless variables. Each client has a unique facility, may require different cleaning products, and has preferences for how tasks should be performed. It’s a lot to remember, so it’s no surprise that employees occasionally make mistakes.

Imagine that your team member uses the wrong cleaning solution on a client’s custom-made desk and damages the finish. It might be very costly to repair and even more expensive to replace. Fortunately, if the client sues your business, the liability protection in a THREE business insurance policy can pay the resulting legal expenses, including defense costs and damages.

Employees stealing from clients is another potential issue for cleaning and janitorial companies. Despite your best efforts to hire honest, trustworthy employees, there is always the risk that one of them will take something from a client. If that occurs and a client sues your business, THREE’s liability coverage can pay for your legal defense and other expenses.

There’s another issue that is increasingly important to cleaning and janitorial business owners today: cyberattacks. If hackers gain access to your computers and steal sensitive information (customer credit card data, for example), you’ll be relieved to know that your THREE policy automatically includes Cyber Liability Insurance. It can cover the expenses of data breaches and other cyberattacks.

For these and other reasons, having the right cleaning insurance is essential. For independent cleaners and contractors, for example, having coverage is a step toward bigger opportunities. It can open doors to higher-value jobs with existing clients or new ones. It also shows a client that you are a professional and ready to work under formal contracts, building trust and helping you secure work quickly. For those who are new to business coverage, getting insured can be much simpler than you might have imagined, especially when you get a THREE cleaning business insurance policy.

How cleaning and janitorial services insurance provides peace of mind.

If you manage a facility and oversee contracts with cleaning or janitorial service providers, it’s reassuring to know that the company you hire is experienced and reliable. Facility managers like hearing that their service provider has insurance from THREE. Accidents happen, but having insurance from a trusted provider means a cleaning or janitorial company can address them quickly.

Risk management professionals also like working with cleaning and janitorial companies insured by THREE. These experts know risks are unavoidable. Service providers should make every effort to avoid mistakes, property damage, and other incidents, but what matters as much or more to risk managers is how quickly and fully a cleaning or janitorial company can address them.

What does cleaning and janitorial insurance cost?

Cleaning and janitorial insurance costs vary based on multiple factors. You can get a quote quickly and easily online whenever it’s convenient for you.

If you choose to buy a THREE business insurance policy, you’ll know you’re getting more coverage in a single policy than any other small business policy. That can help you put an incident behind you quickly and stay focused on doing good work and growing your business.

THREE can also help you modify your coverage if your business changes and you need higher policy limits or other changes.

Factors that influence the cost of cleaning business insurance.

Similar to other industries, the cost of business insurance for cleaning and janitorial companies is based on a number of factors that reflect the specific risks of the business. While you can quickly get a quote to determine your exact premium, understanding these factors can help you see why the cost may be higher or lower depending on your unique circumstances.

Key factors include the size of your business, such as your number of employees and total payroll, as well as the scope of your work. For example, a business that cleans high-rise commercial buildings may face different risks than one that focuses solely on residential homes. The types of services you offer, such as window washing or floor waxing, can also impact your premium.

Finally, your claims history is a strong indicator of future risk; a history of frequent claims may lead to higher costs. All of these factors help an insurer accurately assess the level of risk and provide a policy tailored to your business.

How to get cleaning business insurance.

Obtaining insurance for your cleaning business is a quick and simple process, especially with the user-friendly online tools offered by a provider like THREE. The goal is to get you the coverage you need so you can quickly return to focusing on your business, not on paperwork.

You can begin by visiting the website and providing some basic information about your company. This typically includes details about your business size, location, and the specific services you offer. In just a few minutes, the platform will generate a customized quote for a comprehensive policy that bundles multiple coverages into one.

After reviewing the quote, you can purchase the policy directly online and even get instant access to essential documents like your Certificate of Insurance (COI). This streamlined process allows you to secure your financial protection efficiently and with minimal hassle.

Especially if you work with property managers and other business clients responsible for hiring cleaners, you’ll be glad to have cleaning business insurance. These professionals want to know that they are protected from any risks associated with your services. It also gives them confidence in vendor reliability, showing that you operate a professional and responsible business. To help simplify vendor selection, you can provide a Certificate of Insurance (COI) that confirms your coverage and shows them that you are prepared to keep their operations running smoothly without liability concerns.

Get financial protection for your business today

Your cleaning or janitorial services business could go months or years without an incident. Or one of your team members could make a costly mistake tomorrow.

The sooner you have an insurance policy from THREE by Berkshire Hathaway, the better. We make it easy to understand cleaning business insurance with helpful articles and answers to frequently asked questions, as well as to obtain coverage.

Get a quote today for business insurance for cleaning companies and sleep better tonight.