Whether your janitorial company cleans office buildings, medical facilities, schools, retail stores, or industrial properties, your business faces unique risks every day. From slip-and-fall accidents to damaged customer property, employee injuries, and stolen equipment, even a small incident can lead to significant financial losses.

At Holley Insurance, we help janitorial and commercial cleaning companies throughout Virginia find insurance solutions designed specifically for their businesses. Here’s a closer look at the coverage your cleaning company should consider.

Janitorial Services Insurance in Virginia: What Coverages You Need

General Liability Insurance

General liability insurance is the foundation of almost every janitorial business insurance program.

This coverage can help protect your business if you are responsible for:

• A customer slipping on a wet floor you’ve just mopped
• Damage to a client’s property while cleaning
• Bodily injury claims
• Advertising injuries
• Legal defense costs if you’re sued

Many commercial clients also require proof of general liability insurance before they’ll sign a contract.

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Workers’ Compensation Insurance

If you have employees, Virginia law may require your business to carry workers’ compensation insurance.

Cleaning professionals face injuries such as:

• Slips and falls
• Back injuries from lifting equipment
• Chemical exposure
• Repetitive motion injuries
• Cuts and burns

Workers’ compensation helps pay for:

• Medical expenses
• Lost wages
• Rehabilitation costs
• Disability benefits

It also helps protect your business from many workplace injury lawsuits.

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Commercial Auto Insurance

If your employees drive company vehicles between job sites, personal auto insurance typically won’t cover business use.

Commercial auto insurance can help cover:

• Company vans
• Pickup trucks
• Cargo vans
• Vehicles carrying cleaning supplies and equipment

Coverage may include:

• Liability
• Collision
• Comprehensive
• Uninsured motorist protection
• Medical payments

Even if employees occasionally use personal vehicles for work errands, your business may also need Hired and Non-Owned Auto Liability coverage.

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Commercial Property Insurance

Your business likely owns valuable equipment and supplies, including:

• Floor buffers
• Carpet cleaning machines
• Pressure washers
• Vacuums
• Cleaning chemicals
• Computers
• Office furniture
• Inventory

Commercial property insurance helps protect these items against losses caused by:

• Fire
• Theft
• Vandalism
• Certain weather events

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Commercial Umbrella Insurance

Large liability claims can exceed the limits of your general liability or commercial auto policy.

Umbrella insurance provides an extra layer of liability protection that can help protect your business assets if a major lawsuit occurs.

Considering janitorial companies regularly work inside customer buildings, umbrella coverage is often an affordable way to increase protection.

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Professional Liability Insurance

While janitorial companies aren’t traditionally thought of as professional service businesses, some cleaning contractors provide specialized services or consulting related to:

• Infection control
• Sanitation protocols
• Green cleaning programs
• Facility maintenance recommendations

Professional liability insurance can help if a client claims your advice or services caused them financial harm.

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Cyber Liability Insurance

Today’s cleaning businesses rely on technology more than ever.

You may store:

• Customer information
• Credit card payments
• Employee records
• Payroll information
• Vendor contracts

A cyberattack or data breach could become expensive quickly.

Cyber liability insurance can help cover:

Business interruption resulting from certain cyber events

Data recovery

Customer notification costs

Legal expenses

Ransomware response

Employment Practices Liability Insurance (EPLI)

As your company grows, so does your employment-related risk.

EPLI can help protect your business against claims involving:

• Wrongful termination
• Discrimination
• Harassment
• Retaliation
• Failure to promote

Legal defense costs alone can be substantial, even if the allegations are unfounded.

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Business Owners Policy (BOP)

Many smaller janitorial businesses qualify for a Business Owners Policy.

A BOP typically combines:

• General liability insurance
• Commercial property insurance
• Business interruption insurance

Packaging these coverages together is often more cost-effective than purchasing separate policies.

Why Janitorial Companies Choose Holley Insurance

No two cleaning companies are alike.

Some businesses focus on residential cleaning, while others specialize in:

• Medical facilities
• Office buildings
• Schools
• Manufacturing plants
• Government buildings
• Churches
• Industrial facilities

Your insurance should reflect the work you actually perform.

At Holley Insurance, we work with multiple insurance companies that understand the cleaning industry. We’ll help identify your risks, explain your coverage options, and build an insurance program that protects your business as it grows.

Whether you’re just starting your cleaning company or manage dozens of employees across Virginia or North Carolina, we’re here to help.

Get a Quote for Janitorial Services Insurance in Virginia

If you’re looking for insurance for your janitorial or commercial cleaning business, the team at Holley Insurance is ready to help. In fact, we’ve been helping a lot of janitorial services companies find excellent coverage that meets their budget.

We’ll review your current coverage, identify any gaps, and provide competitive options from trusted insurance companies so you can focus on keeping your customers’ facilities clean while knowing your business is protected.

Request a customized janitorial services insurance quote here!