Insurance for commercial cleaning and janitorial companies.

General liability, janitorial bonds, crime coverage, and workers’ comp for crews who clean offices, medical suites, and commercial buildings after hours, with the certificates building managers ask for.

What janitorial companies usually carry

General liability, $1M / $2M
Janitorial bond
Third-party crime
Workers’ comp
Hired and non-owned auto
Floor machines and equipment
Umbrella

Watch for these in a janitorial policy

Bonds that wait for a convictionMany janitorial bonds pay only after your employee is convicted of the theft. Third-party crime coverage pays on proof of the loss, which is why larger buildings ask for it.
Floors you strip and refinishDamage to the floor you are working on, like finish that burns or lifts, is excluded by the standard general liability form. Some janitorial programs give a limited amount back.
Lost master keysRekeying a building after a crew loses a master key or access card is usually not covered by general liability. Some janitorial policies add a small lost key limit. Know yours before you hold keys.
Cleaners paid on a 1099Part-time cleaners you pay as independent contractors are often counted as your employees at the workers’ comp audit, and their pay is charged back to you.
Outside windowsJanitorial policies often exclude exterior window cleaning above a set height. If your crews do outside glass, list it before the first job.

What building managers and owners ask janitorial companies for

Additional insuredThe building owner and the management company, named on your general liability.
Crime coverage for their propertyA third-party crime limit for theft by your staff, often naming the client as loss payee.
Waiver of subrogationOn general liability and workers’ comp, so your insurer gives up any right to recover from them.
Primary and noncontributoryYour policy answers first for claims from your crews, before the owner’s own.

Questions janitorial companies ask

Straight answers.

The questions we hear most, answered plainly.

Do I need a janitorial bond or crime insurance?

Contracts often name one or the other. A bond is simple, but many pay only after a conviction. Third-party crime covers your client’s property on proof of the theft, and larger buildings usually want that.

Are my cleaners’ own cars covered when they drive between buildings?

Their personal auto policy answers first. Hired and non-owned auto covers your business when a claim goes past their limits or names your company.

How is janitorial insurance priced?

General liability is priced on revenue or payroll, and workers’ comp on payroll. Floor care, carpet work, and window work may be rated on their own, so tell us what your crews actually do.