Do janitorial services need insurance?

Yes. janitorial services typically need general liability, workers' comp, and commercial auto. Most states require some or all of these policies to operate legally or by contract.

A typical janitorial service can expect to pay general liability runs $350–$900 per year, professional liability $400–$900, workers' comp $1200–$4000 depending on payroll, and commercial auto $1000–$2400 per vehicle. Total annual premiums for a small operation usually range from $1,500 to $8,000 depending on coverage choices, revenue, and number of employees.

Yes, in nearly every state — once you have W-2 employees. Texas is the only state where workers' comp is optional. Even sole-proprietor janitorial services often carry it because the physical nature of cleaning work makes injuries common.

General liability covers third-party bodily injury and property damage — for example, if a customer is injured on site or you accidentally damage a client's property. It does not cover your own injuries or professional errors (those need workers' comp and professional liability).

In many cases, yes — professional liability covers claims that a mistake or omission in your work caused a client financial harm. It's worth considering if you have contracts with defined deliverables.

No — personal auto policies typically exclude business use. If you drive a vehicle for work (transporting equipment, visiting clients, making deliveries), you need a commercial auto policy.