Commercial and residential cleaning
Janitorial insurance for cleaning businesses
Cleaning crews work inside offices, homes, and facilities, often after hours and with keys and alarm codes. Kaufman Insurance Group compares janitorial insurance from multiple companies to help you protect your business and earn your customers’ trust.
- Liability for slip and fall and property damage claims
- Janitorial bond options for theft concerns
- Certificates for property managers and facilities
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare janitorial insurance from the companies we work with. The companies that can quote you depend on your type of business, your operations, where you work, and each company’s own rules.
These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.
The basics
What janitorial insurance is
Janitorial insurance is a group of business policies for commercial cleaning companies, residential cleaning services, and specialty cleaners. It helps pay if your work injures someone or damages a customer’s property, and it can help with other risks that come with working in customers’ spaces.
Common claims include a customer slipping on a freshly mopped floor, damage to equipment or furnishings, and misplaced keys that require locks to be changed. Customers may also worry about theft by an employee. A janitorial bond, which is a financial promise backed by a surety company, can help reassure customers and repay them for certain losses caused by dishonest employees.
Many commercial customers and property managers require cleaning contractors to show proof of insurance and sometimes a bond before signing a contract.
Commercial cleaning
Offices, medical spaces, schools, retail stores, and facilities.
Residential cleaning
House cleaning, move-in and move-out cleaning, and rental turnovers.
Know what you are choosing
Coverages janitorial businesses commonly need
Every business is different, and the options depend on the company. These are the policies we review most often for this trade.
General liability
Helps pay for injuries and property damage your work causes, such as slip and fall claims, depending on the policy.
Janitorial bond
Helps repay customers for certain losses caused by employee theft, according to the bond terms.
Care, custody, and control
Optional coverage for damage to customer property you are working on, which general liability may exclude.
Commercial auto
Covers vans and vehicles used to get crews and supplies to jobs.
Workers compensation
In Ohio, this coverage comes from the state, not an insurance company. If you have employees in other states, we can help with workers compensation there as it comes up.
Equipment coverage
Covers floor machines, vacuums, and supplies.
Is it right for you
Who we help
We help cleaning businesses of many sizes.
Commercial janitorial companies
Nightly and weekly office and facility cleaning.
House cleaning services
Recurring and one-time residential cleaning.
Specialty cleaners
Carpet, window, floor care, and post-construction cleaning.
Rental turnover cleaners
Cleaning between tenants or short-term rental guests.
Need a janitorial bond or certificate to win a contract? An agent can help.
How Kaufman helps
How we help janitorial businesses
We are an independent agency, so we can compare coverage from multiple companies and put the right pieces together for your business.
Tell us about your work
Share the cleaning services you offer, commercial or residential, your crew, whether you need a bond, and your vehicles.
We compare companies
An agent reviews options from the companies we work with and explains limits, exclusions, and any contract requirements.
Get covered and get certificates
Choose your coverage. We can issue certificates of insurance and add customers as additional insureds when your policy allows.
We focus on Ohio and North Carolina, and we can also help contractors in most other states. See our contractor insurance page for other trades, or learn more about general liability insurance.
Common questions
Janitorial and Cleaning Business Insurance questions
What insurance does a cleaning business need?
Most cleaning businesses start with general liability. Many add a janitorial bond, commercial auto, equipment coverage, and workers compensation if they have employees.
What is a janitorial bond?
A janitorial bond is a financial promise backed by a surety company that can repay customers for certain losses caused by employee theft. It is not the same as liability insurance.
Does general liability cover damage to things I am cleaning?
Not always. Some policies exclude damage to property in your care. Care, custody, and control coverage can help fill that gap.
Do I need insurance for residential cleaning?
Yes, it is a good idea. Homeowners may ask for proof of coverage, and a single slip or broken item can lead to a claim.
Can you send certificates of insurance to my customers?
Yes. Once your policy is active, we can issue certificates of insurance and, when your policy allows, add customers or general contractors as additional insureds.
Related coverage
Related contractor and business coverage
Pressure washing insurance
Coverage for exterior cleaning businesses.
Explore pressure washing insuranceBusiness owners policy
A package of property and liability coverage for small businesses.
Explore business owners policiesGeneral liability insurance
Protection if your business is blamed for injuring someone or damaging their property.
Explore general liabilityConstruction and contracting insurance
Coverage for contractors and trades, from handymen and remodelers to roofers and HVAC pros.
Explore contractor insuranceReady to protect your business?
Start a janitorial insurance quote online, or contact us with questions. An agent at Kaufman Insurance Group will help you compare your options.
Prefer to talk? Call (330) 486-8404.