What business insurance do janitorial services companies in Ohio need?

Your janitorial business keeps Ohio workspaces clean, safe and welcoming. Whether your team scrubs offices, schools or medical facilities, you risk surprise expenses from slip-and-fall lawsuits to equipment theft. We believe in your business and want to help you protect it, so here’s a guide to the best insurance for janitorial services companies in Ohio – so you can focus on cleaning up financially!

SHORT SUMMARY (because we know you have a lot going on!)

Janitorial services companies in Ohio 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 Ohio if you have employees and must be purchased through the Ohio Bureau of Workers' Compensation.
Contractors tools and equipment covers damages from fire, theft & more to the important items you bring to jobs.
Commercial auto is required in Ohio 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 OHIO 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.

2. Workers' compensation (required in Ohio through a state bureau)

Ohio law mandates workers’ compensation insurance for all businesses with employees. This is one coverage you can't purchase through a regular insurance carrier but must apply for through the Ohio Bureau of Workers' Compensation (BWC). A Mylo agent can give you all the details. It covers medical expenses and lost wages for employees injured on the job – and protects you from most employee lawsuits. Examples:

A cleaner slips on a wet floor and injures their back
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 Ohio)

If you use company-owned or personal vehicles to transport equipment or employees, Ohio 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 OHIO

Every business is unique. We’re fans of yours and here to help you protect it. Mylo has been innovating insurance for ten years. We know how to connect people and businesses to the coverage they need. Because we don’t sell our own insurance, we can give you an objective recommendation.

At no charge to you, we will: