How much does Janitor & Cleaning insurance cost in Elizabeth, New Jersey?

The estimated annual cost for a Janitor & Cleaning in Elizabeth with one employee is between $1147 and $1686. The state base rate is $1150.

What insurance is required for a Janitor & Cleaning in New Jersey?

In New Jersey, businesses are subject to a 6.6% insurance tax. Janitor & Cleanings typically need General Liability due to a risk factor of 1.1.

Janitor & Cleaning Insurance Cost in Elizabeth, New Jersey (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1147-$1686

Estimated Annual Premium

Monthly Average Breakdown

$112 / mo

Includes General Liability

Industry Risk Profile

Cleaning services have lower overall risks, primarily dealing with slip-and-fall accidents or minor property damage from cleaning chemicals.

Risk Factor1.1x

Location Factors

State Base Rate$1150
Elizabeth Multiplier1x
State Tax Rate6.6%

Local Compliance FAQ

Is General Liability required in Elizabeth?

While New Jersey law may not mandate it for all businesses, Janitor & Cleanings often need proof of insurance to bid on local commercial projects in Elizabeth.

Why is the rate different here?

Your premium reflects New Jersey's specific base rate of $1150 and a local city multiplier of 1x.

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