How much does Janitor & Cleaning insurance cost in Hilo, Hawaii?

The estimated annual cost for a Janitor & Cleaning in Hilo with one employee is between $972 and $1430. The state base rate is $1000.

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

In Hawaii, businesses are subject to a 4.0% insurance tax. Janitor & Cleanings typically need General Liability due to a risk factor of 1.1.

Janitor & Cleaning Insurance Cost in Hilo, Hawaii (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$972-$1430

Estimated Annual Premium

Monthly Average Breakdown

$95 / 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$1000
Hilo Multiplier1x
State Tax Rate4.0%

Local Compliance FAQ

Is General Liability required in Hilo?

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

Why is the rate different here?

Your premium reflects Hawaii's specific base rate of $1000 and a local city multiplier of 1x.

How much does Janitor & Cleaning Insurance cost in Hilo?