Janitorial + cleaner’s insurance, simplified.
Why do I need a janitorial & cleaning service insurance policy?
Whether you are a cleaner, janitor, or housekeeper, accommodating your clients’ needs (and schedules!) is part of the job. You need insurance coverage that’s there just when you need it, whether that’s five minutes before a last-minute booking or months in advance.
What is covered under a janitor liability insurance policy?
The General Liability insurance arranged by Thimble is designed to respond to incidents involving bodily injury and property damage. General Liability Insurance also covers legal fees and Medical Coverage associated with the claim.
You are mopping the kitchen floor in a client’s office building. An employee enters the room and slips on the wet floor, sustaining a back injury.
3rd Party Property Damage
You are vacuuming a client’s dining room when the cord of the vacuum gets wrapped around an expensive dining chair, toppling the chair and snapping the oak frame.
Two months after cleaning a client’s boat, he claims that the cleaning solution you used caused the boat’s hull to crack in the winter. He takes you to court over the matter. You’re 100% certain that the damage was not due to your work, so you defend yourself in court. Your General Liability Policy will cover the cost of your defense.
A client slips on a wet floor after you mopped the hallway. She injures her back and spends two days in the hospital. Your coverage with Thimble will cover her expenses.
How much does cleaning service insurance for janitors and cleaners cost?
The cost of your Cleaning Service Insurance policy depends on a few factors. Things like your zip code, your coverage limit, the size of your team, and the length of your coverage all play a factor in determining the risk that comes with insuring your cleaning business.
With Thimble, you don’t have to commit to long, expensive policies, though. You can access flexible Cleaning Service Insurance through the Thimble app and customize your coverage down to the month, day, or hour. Plus, if you need to add Additional Insureds, you can tack them on to your coverage with Thimble at no extra cost.
To get an accurate idea of how much Cleaning Service Insurance would cost you and your business, get a quote from Thimble.
How quickly will I get a Certificate of Insurance?
Instantly. We’ve digitized the entire experience so that you’ll receive a certificate of insurance in your inbox immediately after purchasing a policy with Thimble.
You can also add and modify your Additional Insureds as many times as you’d like directly from the Thimble App.
Who is covered under a cleaning business insurance policy?
Small business insurance from Thimble is customized to meet the needs of cleaning professionals like you. We cover the following professions and activities:
- Car / Vehicle Washing or Detailing
- Boat Washing or Detailing
- Carpet Cleaning
- Window Cleaning
- Office Cleaning
- Pressure Washing
Does my cleaning insurance coverage include myself as the business owner and any employees?
Your General Liability cleaning insurance covers accidents that result in bodily injury or property damage to a third party, such as a client. With Thimble, you can add your employees as crew members to the policy so that their actions are also covered.
Can I get same-day cleaning and janitorial insurance?
Yes, with Thimble you can get a quote in 60 seconds and be ready to go for your next job, even if it starts in an hour (or right now!).
Does the liability insurance include workers’ compensation?
No, Thimble’s General Liability insurance for cleaners does not include worker’s compensation. If you would like to protect your employees from injury on the job, you should take out a separate worker’s compensation policy.
Cleaners and Janitors insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.
- Car / Boat / Vehicle Washing or Detailing
- Janitorial Services including Carpet and Window Cleaning
- Office Cleaning
- Pressure Washing
- Exterior Painting
- Floor Waxing
- Plumbing (other than a leaky faucet or toilet)
- Snow / Ice Removal
- Floor waxing during business hours or in commercial buildings with heavy foot traffic(malls, grocery / convenience / drug stores, hospitals, airports)
- Performing Work over Three Stories in Height(30 Feet)
What's Not Covered by Your Policy
- Activities Involving Firearms
- Performing Work over Three Stories in Height (30 feet)
- Work on 10 or More New Homes or New Residential Units in Any One Project or Development
- See full policy for details