Insurance for Janitors

General liability insurance for janitors can empower janitorial professionals to take on new jobs, work with more clients, and hire additional staff to support the business.

General liability insurance, also known as commercial general liability (CGL), could protect your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. As you take your supplies and skills from one office, warehouse, or school to another, general liability insurance can step in to cover claims regarding injuries to people or property damage.

Janitorial professionals can benefit from having this type of insurance coverage in many instances. Here are a few hypothetical scenarios to demonstrate what we mean.

• Bodily injury: You are waxing a floor and right afterwards someone slips and falls and breaks their wrist. The injured person sues you even though you placed warning signs up. In this situation, we would provide a defense for you in the lawsuit.

Even if you don’t believe that a customer’s injuries were your fault, your business could still be put at risk because of a situation like this. With Hiscox insurance for janitors and floor waxing, your policy may cover the subsequent claim and related medical expenses up to your limits of liability.

• Damage to another's property: One of the employees you have hired to help expand your janitorial business accidentally bumps into a table in a customer’s home and knocks over a lamp. The lamp breaks and, since the incident occurred during a scheduled cleaning service, the customer sues your business for the cost of replacing the lamp. 

Hiscox’s insurance for janitors not only covers incidents of property damage, but also covers the services provided by your employees. Feel more confident with every new employee you hire by requesting an insurance quote for janitorial services today.

• Personal injury: One of your employees is at lunch. He talks to the owner of the restaurant about one of your clients in a false and unflattering way. The client learns of this discussion and sues you for slander.

Hiscox janitor insurance may even cover claims of slander and other forms of personal injury. In situations like this, we may cover the claim filed against you, up to your limits of liability, and also pay for an attorney to defend you if necessary.

Learn more about general liability insurance costs.

A Business Owner’s Policy (BOP) is enhanced property and injury coverage for your business.

Like general liability insurance, a BOP can protect janitorial businesses from third-party claims of property damage, bodily injury, and more. It can also protect your business property, which may include things like floor washing and polishing equipment, janitorial carts, and even computers and other office equipment. If these items are damaged or stolen, a BOP can cover the cost to replace them and get you back to work fast.

A business owner’s policy covers someone else’s claim that you damaged their property or caused bodily injury. It also covers claims of damage or theft to your own business property.

Learn more about the cost of a business owner’s policy.

Cyber security is a top concern for business owners, and for good reason. Cyber criminals are becoming bolder and businesses of all types and sizes are vulnerable.

Janitorial businesses that use computers, have a website, and use electronic payment methods like credit cards or direct debit, should protect themselves with cyber security insurance.

This important coverage protects businesses from the financial costs of a data breach, ransomware attack, or even the cost to recover data from a lost or stolen laptop.

Hiscox cyber security insurance also includes tools and resources to help you prevent an attack in the first place, and expert assistance to deal with an attack if it occurs.

Learn more about cyber security insurance, including the cost to keep your business safe.