Protect Your Janitorial & Cleaning Business
Safeguard your cleaning business, staff, tools, and client facilities. Compare top commercial carriers side-by-side to secure tailored coverage for janitorial services and commercial cleaners.
Why Janitorial & Commercial Cleaners Need Specialized Insurance
Cleaning teams handle client equipment, sensitive property, key codes, and chemical solutions after hours or during busy operation times. From slip-and-fall incidents on freshly mopped floors to accidental property damage, risks are present in every building you service.
Our independent agency connects janitorial contractors with carrier markets that provide robust liability, fidelity bonding, and equipment insurance. We issue quick COIs so you can meet property manager requirements and win competitive building contracts.
Essential Insurance Options for Cleaning Contractors
Build a complete protection plan built around your commercial cleaning operations and client requirements.
General Liability
Covers third-party slip-and-fall injuries from wet floors, client property damage, and operational mishaps inside customer facilities.
Janitorial Surety Bonds
Protects clients from employee dishonesty, theft, or misconduct while cleaning commercial buildings or private offices.
Lost Key Coverage
Covers the expensive cost of rekeying client security systems and replacing master keys if lost or misplaced by your team.
Workers’ Compensation
Essential protection for staff injuries from chemical exposure, heavy lifting, repetitive stress, or slippery conditions.
Equipment & Supplies Coverage
Inland marine protection covering floor scrubbers, carpet extractors, vacuums, and cleaning supplies in transit or on site.
Commercial Auto
Covers company vans and fleet vehicles transporting crews, cleaning chemicals, and commercial sanitation machinery.
Cleaning Businesses We Cover
We partner with leading carriers to place insurance for various commercial, medical, and residential cleaning niches.
Frequently Asked Questions
What is a Janitorial Surety Bond and why do clients request it?
A janitorial surety bond protects commercial clients against employee theft or dishonesty while your staff is inside their premises. Commercial property managers often require a bond before awarding cleaning contracts.
What does “Damage to Premises Rented to You” cover?
It covers accidental property damage to the portion of a customer’s building or rented space caused by your cleaning operations, such as water damage from an unhooked hose or floor machine accident.
Are carpet extraction machines covered if stolen from my van?
Standard commercial auto insurance covers vehicle collision/theft, but not equipment stored inside. Adding an Equipment & Tool (Inland Marine) endorsement ensures high-value carpet extractors and floor buffers are fully covered.
How fast can I get a Certificate of Insurance (COI) for a commercial building bid?
Once your policy is issued, our team provides fast COIs—often within hours—listing the property management firm as an additional insured so you can submit your proposal on time.
Does General Liability cover accidental damage to a client’s expensive rug or artwork?
Yes, General Liability policies include property damage liability to pay for repairing or replacing third-party items damaged during cleaning operations, up to your policy limits.
Is Workers’ Compensation required if I only hire part-time cleaning staff?
In most states, Workers’ Comp is required regardless of whether employees are full-time or part-time. It protects your business from costly medical bills and lost wages if a worker is injured on the job.
Why is Lost Key coverage important for commercial janitorial companies?
Replacing commercial door cylinders, electronic key cards, or master key systems across an entire office building can cost thousands of dollars. Lost key endorsements cover these lock replacement costs.
Can I insure a cleaning business that cleans high-risk sites like medical or industrial facilities?
Yes, we access specialized carriers that write policies for medical office disinfection, cleanrooms, and industrial sites, ensuring high-risk hazardous exposures are properly rated and covered.
Ready to Protect Your Cleaning Business?
Fill out our quick form above to compare personalized janitorial insurance options today.