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Janitorial Insurance

I am starting up a janitorial business in California, cleaning homes and office buildings. What insurance am I going to need?

Janitorial businesses and cleaning services in California, like any other business in any other state, need to protect their assets –their property, equipment, vehicles, and their ability to conduct business and earn money. The basic issue is liability, being held financially responsible when things go wrong. And there are plenty of things that can go wrong: a company vehicle gets T-boned in an intersection, an expensive piece of equipment bites the dust, an employee falls off a step ladder, someone steals a month’s worth of supplies from your shop…and the list goes on and on. Janitorial and cleaning services often end up with a number of different policies, each of which plays a specific role in the company’s overall insurance strategy.

There are many kinds of businesses involved in providing janitorial, maintenance, and cleaning services. There are carpet cleaners, and window washers, and landscapers, and floor specialists, and so on. And let’s not forget all the folks that provide disaster cleanup services after water, fire, or smoke damage—like mold remediation companies. Each of these involves a different set of risks, so you will need to discuss with potential insurance providers the particular nature of your janitorial business and the risks it entails.

What specific coverages does California require me to carry for my janitorial service?

Some insurance, like Workers’ Compensation and commercial auto insurance, is required by the state of California.

You must have Workers’ Compensation, no matter how few employees you may have. Even temporary employees must be included. If an employee is injured on the job or becomes ill as a result of the job, your Workers’ Compensation policy will pay some of the lost wages and help pay the employee’s medical bills. Failing to have a Workers’ Compensation policy is a misdemeanor that can get you fined as much as $1,000 or put you behind bars for up to a year—not to mention the fact that your business would be responsible for paying the employee’s medical bills.

Commercial auto insurance is required by the state of California for any vehicle used to transport your employees. If you are required to carry commercial auto insurance, but fail to do so, your business could be held liable for bills resulting from an accident, and you can be held personally liable as well. A commercial auto policy includes:

  • Liability insurance for bodily injuries and property damage
  • Medical payments insurance for the medical bills
  • Physical damage insurance includes both collision insurance and comprehensive insurance

You may also want to include uninsured motorist coverage with your commercial auto policy.

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Southern State Insurance is a company that works with various carriers in order to provide our clients with more options and more competitive rates. Some of the carriers we have partnered with are:

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