Whether you’re cleaning offices, retail spaces, schools, or medical facilities, you work hard to keep your clients’ spaces clean, safe, and professional. Janitorial insurance from Berxi helps protect your business, finances, and equipment from the unexpected.
It typically includes:
A single accident, damaged client property, or equipment loss can lead to costly claims. With the right janitorial insurance in place, you can focus on serving your clients and growing your business with greater confidence.
Berxi’s general liability insurance for janitorial services starts at $500/year.
Your annual premium will depend on a few different factors, including:
You can also add optional business personal property (BPP) coverage to your general liability policy. The BPP coverage add-on starts at around $115/year.
Because we have no hidden costs or interest fees, janitorial businesses that choose Berxi save an average of 15% vs. other providers. The fastest way to find out how much you might pay for janitorial insurance is to get a quote.
Berxi’s customized janitorial insurance is designed to protect you from the real-world risks you face on the job, from third-party bodily injuries and property damage to broken equipment and lawsuits.
General liability insurance covers claims of third-party bodily injury and property damage that may arise from your janitorial work, as well as personal and advertising injury claims, such as libel, slander, or copyright infringement in your advertising.
If a customer, visitor, or other third party is injured, or if you accidentally damage someone else’s property while cleaning, general liability insurance can help pay for medical expenses, repair costs, legal fees, and other covered damages.
Examples include:
You can also add optional business personal property (BPP) coverage to your Berxi general liability policy to help repair or replace equipment and other business property if it’s damaged. This can include items such as vacuums, floor buffers, carpet cleaners, cleaning equipment, computers, office furniture, and other tools you rely on to run your business.
Examples include:
Berxi’s janitorial services insurance policies are built with you and your business in mind. Key benefits include:
If a customer or visitor to a job site is injured — for instance, by slipping on a wet floor — your general liability policy can help cover their medical bills and pay for any related legal costs and damages.
If you or your employees accidentally damage someone else’s property, general liability insurance can help pay to repair or replace it.
Personal and advertising injury coverage protects against legal issues stemming from things you write or say, including your marketing activities. It safeguards you from claims of reputational harm, such as libel and slander, as well as privacy invasion and copyright infringement in your advertising.
If you are sued for a general liability claim (like bodily injury, property damage, personal injury, or advertising injury), your policy can pay for a lawyer to defend you, and also cover any damages or settlement costs you may be required to pay.
With a general liability policy from Berxi, everyone employed by your business is covered, not just you. That means your janitorial business will be protected from general liability claims resulting from employee action. For instance, if an employee accidentally damages someone’s property, your Berxi policy can help cover the costs.
If a customer sues your business for alleged property damage or bodily injury due to your completed services, products-completed operations coverage can help protect you legally and financially.
You can choose to add business personal property (BPP) coverage to your general liability policy as an optional add-on, which can help pay for damage or loss of your janitorial equipment, tools, work computers, and other business assets. (Note that BPP generally doesn’t apply to normal wear and tear.)
In addition, you can get workers’ compensation and cyber liability coverage from one of our trusted partners by speaking with our in-house customer support team.
A janitorial bond (also known as a cleaning service bond) is a type of fidelity bond. It protects customers from losses incurred as a result of theft by cleaning service employees. Some clients require janitorial businesses to have janitorial bonds before awarding contracts, making it a valuable way to build trust and credibility.
If you have employees, workers’ compensation insurance can help cover medical expenses and lost wages if they’re injured or become ill as a result of their work. In most states, this coverage is required by law once you hire employees. You can get workers’ comp insurance from one of our trusted partners by speaking with our in-house customer support team.
If you use a vehicle for business purposes, commercial auto insurance can help cover costs related to accidents, vehicle damage, and certain liability claims.
Professional liability insurance helps protect your janitorial business if a client claims your services caused them a financial loss. For example, it may help cover legal defense costs if you’re accused of failing to perform services as promised.
With a financial strength rating of A++ by AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, people who choose Berxi save an average of 15%.
You can visit our website to get a quote, buy a policy, update your information, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real human being from our in-house product specialist team who will work hard to answer all of your questions.
Getting covered is fast and straightforward.
Step 1: Using our easy online quote process, just answer a few quick questions about your janitorial business. Get a quote today.
Step 2: While quoting, you’ll have the option to add business personal property (BPP) insurance coverage to your policy, which helps repair or replace your business assets if they’re damaged.
Step 3: Get an instant, personalized quote with clear pricing.
Step 4: Purchase coverage online in minutes.
Step 5: Access your policy 24/7 to manage certificates, update your information, or file claims — right from your phone or computer.
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Yes, it’s a good idea for solo janitors to have general liability insurance. Even if you’re the only person in your business, janitorial insurance can help protect you from the financial impact of third-party bodily injury, property damage, and other covered claims. Some clients, landlords, and property managers may also require proof of insurance before hiring you.
Janitorial insurance and cleaning bonds serve different purposes. Janitorial insurance (i.e., general liability insurance) helps protect your business from risks such as bodily injury, property damage, and certain lawsuits, while a cleaning bond or janitorial bond helps protect your clients if an employee is accused of theft while working on their property.
Some clients may require a cleaning bond as part of a service contract, but it doesn’t replace the protection that janitorial insurance provides for your business.
Yes, general liability insurance for janitorial services can help cover accidental damage to a client’s property. It can help pay to replace the damaged article and can even pay for legal defense and settlement costs if you’re sued.
If a client slips and falls on a wet or freshly waxed floor while you’re cleaning and you’re found responsible, general liability insurance can help cover their medical expenses. It can also cover your attorneys’ fees and legal damages in the event of a lawsuit. Without insurance, you could be responsible for paying these expenses out of pocket, which can become extremely costly.
Yes, you can add business personal property (BPP) coverage to your Berxi general liability insurance policy, which can help pay to repair or replace your equipment, supplies, and other business assets if they’re damaged or lost. The optional BPP add-on starts at around $115/year.
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