How much does Janitor & Cleaning insurance cost in Memphis, Tennessee?

The estimated annual cost for a Janitor & Cleaning in Memphis with one employee is between $881 and $1295. The state base rate is $880.

What insurance is required for a Janitor & Cleaning in Tennessee?

In Tennessee, businesses are subject to a 7.0% insurance tax. Janitor & Cleanings typically need General Liability due to a risk factor of 1.1.

Janitor & Cleaning Insurance Cost in Memphis, Tennessee (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$881-$1295

Estimated Annual Premium

Monthly Average Breakdown

$86 / 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$880
Memphis Multiplier1x
State Tax Rate7.0%

Local Compliance FAQ

Is General Liability required in Memphis?

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

Why is the rate different here?

Your premium reflects Tennessee's specific base rate of $880 and a local city multiplier of 1x.

Compare Janitor & Cleaning Insurance in Other Tennessee Cities

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How much does Janitor & Cleaning Insurance cost in Memphis?