Janitorial Services Insurance
Protect what matters most for your janitorial business.
Why MaintenancePro?
MaintenancePro offers tailored insurance solutions developed with the unique challenges of janitorial and maintenance professionals in mind.
Additional benefits of MaintenancePro feature:
- Tailored risk control services
- Faster than industry average claims management
- Compliance and safety resources
- Competitive rates and payment plans available
- Comprehensive coverage backed by 35+ years of expertise.
In the ever-evolving landscape of the janitorial and maintenance services industry, securing the right insurance coverage is paramount for businesses like yours. MaintenancePro offers deep industry expertise—we understand the unique risks you face, and we are here to help you navigate them with confidence. With 35+ years of experience and a commitment to excellence, we provide support when claims arise, ensuring your business thrives even in challenging times. Move into peace of mind with MaintenancePro.
Specialized coverage specific to:
- Janitorial services
- Indoor and outdoor maintenance
- Window cleaning
- Carpet and upholstery cleaners
Green expertise
With more than 35 years of industry experience, MaintenancePro janitorial services insurance program offers tailored risk control, pricing flexibility, enhanced stock coverages, and better claims service than our competitors. The janitorial and maintenance services industry is growing and changing rapidly—we have the expertise to help keep your business protected from risk.
Specialized coverages
When it comes to protecting your business, it’s essential to have insurance coverage designed for your unique needs. MaintenancePro goes beyond the standard insurance products to offer specialized coverages to better protect your business—allowing you to focus on growing your business with peace of mind.
Local experience & service
MaintenancePro is a specialized insurance program, and we work with janitorial and maintenance businesses nationwide, from coast-to-coast. No matter where your business is located, we have the experience and expertise to get you exactly the coverage you need to thrive.
Why work with NIP Group?
35 years
A+ (Superior)
Industry expertise
Specialized coverages
Competitive rates
Superior Customer Service
Coverage Examples
General Liability
A standard insurance policy issued to businesses to protect them against liability claims for bodily injury and property damage from out of premises, operations, products, and completed operations.
Automobile Liability
Insurance that protects the insured against financial loss because of legal liability for automobile-related injuries to others or damage to their property by an automobile.
Property Insurance
An insurance policy for businesses that insures against damage to their buildings and contents due to a covered cause of loss, such as a fire. The policy may also cover loss of income or increase in expenses that result from property damage.
Inland Marine
Insurance policy that covers the loss or damage to any transport by which the property is transferred, acquired, or held between the point of origin and the final destination.
Umbrella Liability
Umbrella or Excess liability insurance covers claims in excess of regular general liability and auto policy coverage with the main purpose of protecting assets from an unforeseen event, such as a tragic accident in which the business is liable. While both are similar coverages, they differ on how they offer add coverage.
Crime
A commercial crime insurance policy typically provides several different types of crime coverage including employee dishonesty coverage, forgery or alteration coverage, computer fraud coverage, funds transfer fraud coverage, kidnap, ransom, or extortion coverage.
Contractors Pollution Liability
Contractor-based insurance policy, offered on a claims-made or occurrence basis, that provides third-party coverage for bodily injury, property damage, defense, cleanup, and related defense costs as a result of pollution conditions arising from contracting operations performed by or on behalf of the contractor.
Employment Practices Liability
Employment practices liability insurance protects employees against resulting litigation, including claims of sexual harassment, discrimination, and wrongful termination.
Cyber Liability
Cyber liability covers exposures when communicating or conducting business online. Potential liabilities include the internet and email. Online communication tools could result in claims alleging breaches of privacy rights, infringement or misappropriation of intellectual property, employment discrimination, violations of obscenity laws, the spreading of computer viruses, and defamation.
Workers’ Compensation
Workers’ compensation provides no-fault statutory benefits prescribed in state law by an employer to an employee (or the employee’s family) due to a job-related injury (including death) resulting from an accident or occupational disease.
Frequently Asked Questions
Why does my business need janitorial insurance?
The janitorial & maintenance industry is not immune to its share of risks. Common claims that businesses may encounter stem from workplace injuries, property damage due to work performed, or other associated risks. Professional janitorial companies should always carry the proper janitorial service insurance to protect themselves from these incidents. Without the right coverage, claims of this nature ultimately can destroy even the largest janitorial and maintenance businesses.
What lines of janitorial contractor insurance coverage do I need for my work?
General liability is the most essential janitorial insurance coverage a business should have for their day to day operations. General liability coverage will protect your business in the event a bodily injury or property related claim arises from your work. Workers’ Comp insurance is also necessary if you have employees, regardless if they are full-time or not. A commercial auto policy will protect your vehicle fleet by providing coverage that a personal auto policy normally will not be able to meet. Whether you’re based from home or have a physical office location, commercial property insurance will not only cover the building location, but also provides insurance on the janitorial tools and equipment you have stored there. An inland marine policy will protect any of the janitorial equipment you are transporting to and from jobsites.
How much insurance should a janitorial contracting business have?
The amount of insurance you carry is largely driven by the type of work you do and the size of your operation. For both residential & commercial work, clients will be more comfortable with a janitorial & maintenance service they know has adequate insurance coverage. It is best to have more insurance than you feel is needed because in the unfortunate event a claim occurs, you don’t want to risk your business you spent years building.
What is the cost of janitorial service company insurance?
Janitorial service insurance cost varies from company to company. There are several factors that influence the cost of insurance, ranging from the size of your business, the assets you want to protect, and the area you work in. Additionally, janitorial service insurance costs may be higher depending on the type and scope of the work your business performs. If your janitorial company generally undertakes higher risk work, you are likely to see a higher premium cost because of the higher rate of exposure your business faces.
What are the most common accidents and claims janitorial contractor insurance companies see?
The most common claims seen by janitorial insurance companies vary from property or bodily injury due to work performed, commercial vehicle accidents, and workers’ compensation claims from work related injuries. The most common accidents janitorial contracting professionals encounter in their work range from transportation-related injuries, equipment related injuries, or slip & fall accidents.
What should I do if there is incident or claim related to my janitorial or maintenance work?
In the event of a janitorial related incident caused by your work, the first step is to document the incident in as much detail as possible. Make note of who was involved, the work being done when the incident occurred, and any injuries or damage that occurred. Next, contact your janitorial insurance carrier to report the incident and provide them with as much detail as necessary. As a MaintenancePro client, you’ll be able to utilize our expert claims center to help you manage your claims and ensure your business continues operating without interruption.
What makes MaintenancePro’s coverage stand out from other janitorial services insurance companies?
MaintenancePro offers every client premier service they need to keep their operations running. Our approach is to provide you with the coverage and protection you want and expect from your janitorial service insurance. Additionally, MaintenancePro helps you to reduce claims by providing access to our world class risk management services, expert claims assistance, and more. With over 30+ years of industry experience, MaintenancePro knows exactly what janitorial service professionals need out of their insurance coverage.
What is an Experience Modification Rate & how does it influence my janitorial service insurance?
Experience Modification Rate (EMR), also known as eMod or mod rate, is a critical component of an employer’s workers’ compensation insurance premiums. Your janitorial service company’s losses throughout prior years directly influence what your Experience Modification Rate will be. The losses are examined to determine any potential future losses and appropriately price out your janitorial service insurance premium.
