How much does Janitor & Cleaning insurance cost in Richmond, Virginia?

The estimated annual cost for a Janitor & Cleaning in Richmond with one employee is between $915 and $1346. The state base rate is $930.

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

In Virginia, businesses are subject to a 5.3% insurance tax. Janitor & Cleanings typically need General Liability due to a risk factor of 1.1.

Janitor & Cleaning Insurance Cost in Richmond, Virginia (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$915-$1346

Estimated Annual Premium

Monthly Average Breakdown

$90 / 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$930
Richmond Multiplier1x
State Tax Rate5.3%

Local Compliance FAQ

Is General Liability required in Richmond?

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

Why is the rate different here?

Your premium reflects Virginia's specific base rate of $930 and a local city multiplier of 1x.

Compare Janitor & Cleaning Insurance in Other Virginia Cities

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