Your janitorial business keeps Michigan workspaces clean, safe and welcoming. But whether your team scrubs offices, schools or medical facilities, your work comes with risks. Unfortunately, one surprise expense (a client accident on a freshly mopped floor or an employee illness from chemical exposure) can threaten your success. We believe in your business and want you to have affordable insurance that meets state requirements and protects your property, team and income. This guide breaks down:

Michigan's required coverages
The most recommended protections
How to save money on janitorial services insurance
How to compare fast quotes from top-rated insurance carriers

SHORT SUMMARY (because we know you're busy making things sparkle!)

Janitorial services companies in Michigan face industry-specific risks that require customized insurance coverage.
A Business Owner’s Policy for janitorial companies saves you money by bundling general liability, property insurance and optional business interruption coverage.
General liability insurance for janitorial service companies covers damages or injuries caused by your business, as well as advertising-related claims.
Property insurance for janitorial companies covers damages to your cleaning equipment, supplies and office space
Workers’ compensation is mandatory in Michigan if you have three or more employees.
Contractors tools and equipment covers damages from fire, theft & more to the important items you bring to jobs.
Commercial auto is required in Michigan to cover damages caused by the vehicles you use to transport staff and supplies.
Inland Marine insurance for janitorial services covers expensive equipment transported to a worksite.
Commercial umbrella insurance for janitorial businesses provides extra coverage when other policies reach their limits.
Working with Mylo can help you find the right coverage at the best value!

FIVE BEST COVERAGES FOR MICHIGAN JANITORIAL SERVICES COMPANIES:

Here are five essential coverages every janitorial services business should consider to stay protected and profitable:

1. Business Owner's Policy for janitorial services companies

A business owner’s policy (BOP) for janitorial companies is a smart starting point. It bundles key coverages into one affordable package – ideal for new or growing businesses. Your BOP typically includes:

GENERAL LIABILITY FOR JANITORIAL SERVICES Covers legal and medical costs if a client or other non-employee is injured or their property damaged by your business. It also protects you from advertising-related claims. Examples:

A client slips on a freshly mopped floor and breaks their wrist
You accidentally spill cleaning chemicals on a client’s carpet
A competitor accuses you of copying their logo or slogan

JANITORIAL SERVICES PROPERTY INSURANCE Helps repair or replace your cleaning equipment, supplies and office space if disaster strikes – like fire, theft, or vandalism. Examples:

A fire damages your storage facility and cleaning machines
A break-in results in stolen vacuums and supplies
A storm floods your office and ruins inventory

BUSINESS INTERRUPTION INSURANCE Replaces lost income if you need to temporarily pause your business due to covered property damage.

Ready to get your free quote now and see how much you can save on this and other coverages you may need? CLICK HERE

2. Workers' compensation (required in Michigan)

If you have three or more employees (or employed one person for 35 hours or more per week for 13 weeks or longer in the past year), Michigan requires workers' compensation. It covers medical care and lost wages for your team members injured on the job – and shields you from most employee lawsuits. Examples:

A cleaner slips on a wet floor and has a back injury
An employee develops a respiratory issue from chemical exposure
A staff member strains their shoulder lifting heavy equipment

3. Commercial auto for janitorial services companies (required in Michigan)

If you use company-owned or personal vehicles to transport equipment or employees, Michigan requires commercial auto insurance.

Helps pay for damages or injuries your vehicles cause to others or their property
Can also pay for physical damage to your vehicles (optional)

4. Inland Marine insurance for janitorial businesses

This helps janitorial services businesses protect the valuable equipment they bring to jobs. If yours are damaged or stolen while in transit or temporarily stored at job locations, this must-have coverage can repair or replace them. Examples:

Your expensive floor scrubber hits the side of a swaying trailer and parts are broken
Your equipment is locked up on a client site and someone breaks in and robs you

5. Commercial umbrella insurance for janitorial services companies

Think of this as insurance for your insurance! A commercial umbrella insurance policy provides extra protection when other key policies like your general liability reach their limits, which helps you protect your company's financial assets.

THE BEST INSURANCE FOR JANITORIAL SERVICES COMPANIES IN MICHIGAN

Your amazing company deserves protection that keeps up with your business. Mylo has been innovating insurance for 10 years and provided over 100,000 policies to 75,000+ small business owners. Because we don't sell our own insurance, we can give you an objective recommendation and find you the best value in Michigan – at no cost to you.

In minutes Mylo will: