Cleaning & Janitorial Services Insurance
Workers Compensation Insurance
for Cleaning & Janitorial Services
Cleaning workers are exposed to chemical cleaning products, repetitive motion injuries, and slips and falls — all common causes of workers comp claims. Coverage is required in most states and covers all medical and wage replacement costs when a cleaner is injured on the job.
Industry-Specific Insight
Why Cleaning & Janitorial Services Businesses Need Workers Compensation Insurance
Cleaning workers are exposed to chemical cleaning products, repetitive motion injuries, and slips and falls — all common causes of workers comp claims. Coverage is required in most states and covers all medical and wage replacement costs when a cleaner is injured on the job.
Coverage Details
What Workers Compensation Insurance Covers
Key protections included in a workers compensation policy for cleaning & janitorial services operations.
FAQs
Common Questions from Cleaning & Janitorial Services Businesses
Do part-time cleaners need to be covered by workers comp?
Yes. Part-time employees are covered by workers compensation just like full-time staff.
Are chemical exposure injuries covered?
Yes. Occupational illness from cleaning chemical exposure — including respiratory issues and skin conditions — is covered by workers compensation.
Is workers compensation required?
In most states, yes — businesses with one or more employees are required to carry workers comp. Requirements vary by state and sometimes by industry or number of employees. A licensed agent can clarify what applies in your state.
What happens if I don't carry workers comp and an employee is injured?
You could be personally liable for the employee's medical costs and lost wages, face significant fines, and be exposed to a lawsuit. The financial and legal exposure of operating without required coverage is substantial.
Complete Coverage
Other Coverages Cleaning & Janitorial Services Businesses Commonly Need
A complete protection plan for cleaning & janitorial services operations typically includes several complementary coverages.
Cleaning & Janitorial Services · Workers Compensation
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