How much does Janitor & Cleaning insurance cost in Chicago, Illinois?

The estimated annual cost for a Janitor & Cleaning in Chicago with one employee is between $1460 and $2148. The state base rate is $1050.

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

In Illinois, businesses are subject to a 6.3% insurance tax. Janitor & Cleanings typically need General Liability due to a risk factor of 1.1.

Janitor & Cleaning Insurance Cost in Chicago, Illinois (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1460-$2148

Estimated Annual Premium

Monthly Average Breakdown

$143 / 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$1050
Chicago Multiplier1.4x
State Tax Rate6.3%

Local Compliance FAQ

Is General Liability required in Chicago?

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

Why is the rate different here?

Your premium reflects Illinois's specific base rate of $1050 and a local city multiplier of 1.4x.

Compare Janitor & Cleaning Insurance in Other Illinois Cities

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How much does Janitor & Cleaning Insurance cost in Chicago?