Janitorial Insurance in Massachusetts
Janitorial and cleaning businesses play an important role in maintaining offices, commercial buildings, medical facilities, and residential properties. Because this work is performed on someone else’s property, it comes with unique responsibilities and risks.
Janitorial insurance is designed to help cleaning businesses manage those risks and protect their operations if an accident, damage, or claim occurs.
At Risman Insurance Agencies, we work with janitorial and cleaning companies across Massachusetts to help them understand their insurance options and build coverage that reflects how they work day to day.
Why Janitorial Businesses Have Unique Insurance Needs
Janitorial businesses often operate in client spaces after hours or when staff are not present. This can introduce exposures that aren’t always addressed by basic business insurance.
Common risk considerations include:
- Accidental property damage while cleaning
- Slip-and-fall claims related to wet floors
- Lost or damaged keys and access devices
- Employee injuries while performing cleaning tasks
- Contractual insurance requirements from clients
Because janitorial work is performed off-site, coverage discussions should reflect the environments where your team operates.
Common Janitorial Insurance Coverage Options
Janitorial insurance is not a single policy. It’s typically a combination of coverages designed around your business operations, staff, and client requirements.
Coverage options may include:
General Liability Insurance
General liability insurance is often a foundational coverage for janitorial businesses. It may help address certain third-party claims involving bodily injury or property damage connected to your work.
For example, claims related to slips, falls, or accidental damage to client property may fall under this type of coverage, depending on policy terms.
Commercial Property Insurance
If you own or lease an office, storage space, or warehouse, commercial property insurance may help protect your building and business contents.
This can include:
- Cleaning equipment and supplies
- Office furniture and computers
- Inventory stored at your location
Coverage needs vary depending on ownership and lease requirements.
Workers’ Compensation Insurance
Workers’ compensation insurance is required for most Massachusetts employers and may help support employees who are injured while performing job-related duties.
For janitorial businesses, this can include injuries related to lifting, repetitive motion, or the use of cleaning equipment.
Lost Key Coverage
Some janitorial insurance programs offer options that address certain costs associated with lost or stolen client keys or access devices, subject to policy terms and limits.
This type of coverage is often reviewed by cleaning businesses with after-hours access to client properties.
Additional Coverage Considerations
Depending on your operations, you may also need to review:
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Coverage required by client contracts or service agreements
Each janitorial business is different, which is why coverage should be reviewed based on how your company operates.
Who Should Consider Janitorial Insurance?
Janitorial insurance is commonly reviewed by:
- Commercial cleaning companies
- Office and building cleaning services
- Medical and healthcare cleaning contractors
- School and facility cleaning providers
- Independent janitors and small cleaning crews
Many clients require proof of insurance before allowing cleaning services to begin.
Why Janitorial Businesses Work With Risman Insurance Agencies
Understanding of off-site service businesses
We understand the challenges of businesses that operate in client-owned spaces and help structure coverage discussions around real-world exposures.
Independent agency with multiple carriers
As an independent insurance agency, we work with multiple insurance companies and help cleaning businesses compare options — rather than forcing a one-size-fits-all solution.
Support beyond the policy
From certificates of insurance to coverage reviews as your business grows, our team is here to support you throughout the year.
Request a Janitorial Insurance Review
If you own or manage a janitorial or cleaning business in Massachusetts, it may be worth reviewing your current insurance program.
Call: 781-396-2116
Request: Contact us online to start the conversation
Insurance coverage cannot be added, deleted, or changed until confirmed in writing from our office.
