Texas Janitorial Insurance

Texas Janitorial Insurance

Texas Janitorial Insurance

If you’ve ever listened to a radio commercial for a car dealership, you’ve likely heard the announcer’s voice sped up to an unintelligible rate so that the company can get all of the disclaimers into the 30-second commercial in as few seconds as possible. “Rent a car for just $300 a month!” Then comes a two second windstorm of words that explains the down payment, mileage penalties, and any number of other rules. Obtaining insurance for your commercial cleaning business may feel like that. You’ve heard you need insurance, but then comes the disclaimer that its not one, but several, policies that you will need to have “janitorial insurance.” To hear what truly comprises Texas janitorial insurance- keep reading.

Liability insurance is perhaps the most important policy you will need in your janitorial insurance package. There are a multitude of situations in which you could be found liable for damages and be required to make hefty payouts. Without a liability policy, your business is responsible for paying all of these damages- something that would be financially devastating to most commercial cleaners. But with a liability policy, your insurance would pay for the repair or replacement of a client’s damaged property, the medical bills of an injured client, and even some legal fees. Having a liability insurance policy not only provides financial protection to your business, it also serves as a signal to potential clients that you know how to run a business.

Just as important as liability insurance, worker’s compensation insurance is a vital part of a complete Texas janitorial package. While you are not required to carry worker’s compensation insurance in the Lone Star State, it is an exceptionally valuable policy to obtain. If, for any reason, you or your employees should experience an accident, worker’s compensation would be activated to offer a number of benefits. This policy pays for the medical bills of an injured employee and also provides an income replacement stipend while the injured worker is off the job. Additionally, the policy prevents your business from being sued for additional damages.

Other policies which are important components of Texas janitorial insurance include commercial property insurance and commercial auto insurance. The equipment you will use as a commercial cleaner will likely be an expensive investment. With a property insurance policy, you would be able to repair or replace those expensive pieces of equipment if they were damaged or destroyed for some reason. A commercial auto policy acts much like a personal auto insurance policy, but is meant for any vehicles that your or your employees use to travel from job site to job site.

So- Texas janitorial insurance is not one policy, but rather several different policies that provide complete financial protection to your commercial cleaning business. Talk with your insurance agent today to discuss which policies are right for you, as well as the amounts of coverage you may need to purchase to ensure that your business is perfectly insured. The peace of mind that you receive when you choose to be fully insured is well worth the investment!


All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.

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