Why do I need Janitor Insurance?
As a janitor, you’re responsible for keeping areas clean, tidy, and pristine. Maintaining the beauty of corporate spaces, it’s your masterful touch that gives a room its “shine.”
But given the nature of your work, you know all too well that accidents happen. And when you’re constantly around third parties, active worksites, and hardware, there’s always a chance that something could go wrong.
For instance, should a third party (a client or bystander) incur an injury because of your cleaning, you could be held liable. Additionally, if you accidentally damage property at your job site, your client might expect you to pay for it.
For these reasons and more, most business owners in the janitorial and cleaning industry need to obtain general liability insurance.
What does Janitor Insurance cover?
Thimble’s Janitorial business insurance is designed to provide coverage for the following types of claims:
Third-party, non-employee bodily injury: In the course of cleaning, there are many ways a third party could be injured, from slippery floors to moving around furniture to a poorly placed “wet floor” sign. Should a third party incur an injury due to your work, you could be held liable.
Third-party property damage: Besides people, there’s always the risk that you can accidentally damage someone’s property. The reality is that, as a janitor, you’re constantly moving around furniture and fixtures. If you were to break or damage something, you could be held liable for the costs of its replacement or repair.
No CCC exclusion: Many janitorial general liability insurance policies carry an exclusion for property damage to property in your care, custody, and control (CCC exclusion), but we don’t. Janitor Insurance arranged by Thimble covers damage to third-party property that you’re working on or that’s in your care.
For example, you accidentally damage the carpets you’re cleaning at an office. The property damage is typically not included under general liability insurance. However, with Thimble, the carpet would be covered.
How much does janitor insurance cost?
The cost of a Thimble Janitor Insurance policy depends on a few factors, including your business location, your team’s size of your team, the length of the policy term, and the amount of coverage you need.
Based on Thimble policies sold, the median cost of cleaning business insurance ranges from $6 per hour to $38 a month.
Want to see how much it’ll cost for your janitorial business?
Download the Thimble app or click below. Breeze through a few questions about your business, then choose your desired coverage length (you can select hourly, daily, weekly, or monthly plans). From there, we’ll generate an instant quote. Click to purchase and your policy and proof of insurance (Certificate of Insurance) will be in your inbox.
Does Thimble’s Janitor Insurance cover damage to my equipment?
No. The janitorial general liability coverage covers damage you cause to other people’s property. So, it does not cover damage to your business’ (first-party) equipment.
To cover your equipment, you’ll need Business Equipment Protection. With Thimble, your cleaning equipment up to $5,000 is covered. This means we cover all the tools you rely on to get the job done, no matter where you’re using them. And for items with values under $2,500, you do not even have to list them separately on your policy.
How quickly can I get a Certificate of Insurance?
With Thimble, you can get a Certificate of Insurance (COI) instantly. Once you have your quote, all it takes is one final click to purchase your plan, and you’ll have your policy and a COI sent to your email inbox or accessible via the Thimble mobile app immediately.
It’s that quick. And you can get unlimited COIs at no additional cost.
What are the Janitor Insurance policy limits for liability?
We offer a $1 million or $2 million liability limit for Janitor Insurance policies. What you choose depends on how much coverage you want.
Are workplace injuries of my staff covered?
No. To cover on-the-job injuries or illnesses for employees, you need workers’ compensation insurance, which most states require. Make sure to check your state laws to confirm you’re adequately covered.
Do I also need a janitorial bond?
This depends. Some clients require that you have a janitorial bond, also called a surety bond. The bond protects them in the event of employee theft. Many janitorial and commercial cleaning companies choose to purchase janitorial bonds and cleaning business insurance to protect their businesses from all sides. Purchasing a bond can help show clients that you mean business, even if they don’t require you to have one.
How do I get Janitor Insurance with Thimble?
It’s simple. All you need to do is answer a few quick questions to generate a quote. Then, you can make adjustments to fit the exact needs of your cleaning business. Finally, click to make the purchase, and you’ll receive your policy and COI immediately. We’ve made it as easy as possible so you can focus on what matters most—making spaces sparkle!
Still have questions?
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