Cleaning & Janitorial Insurance
Cleaning businesses work inside clients' homes and commercial properties — creating significant liability exposure for property damage, theft allegations, and employee injuries. Our cleaning business insurance packages are built for the janitorial industry.
Coverages we place
- General liability for property damage (broken items, chemical stains)
- Workers' comp for slip-and-fall, chemical exposure, and repetitive strain
- Janitorial bond (dishonesty bond) protecting against theft claims
- Commercial auto for cleaning vans and transportation
- Tools & equipment for vacuums, pressure washers, and supplies
- Business income for contract loss after covered events
- Umbrella liability for large commercial cleaning contracts
- Pollution liability for chemical spills and hazardous waste
Who needs this coverage
Residential cleaning services, commercial janitorial companies, carpet cleaning businesses, window washers, pressure washing services, and post-construction cleanup companies.
What drives your premium
- Number of employees and payroll
- Types of properties cleaned (residential vs. commercial)
- Services offered (standard cleaning, biohazard, pressure washing)
- Use of chemicals and cleaning agents
- Vehicle fleet size
Common exclusions
- Damage from improper use of cleaning chemicals
- Pre-existing damage to client property
- Employee theft without janitorial bond
- Mold remediation (separate coverage)
- Professional carpet restoration errors
Frequently asked questions
What is a janitorial bond?
A janitorial or dishonesty bond protects your clients against theft by your employees. Most commercial cleaning contracts require one. It's affordable — typically $100–$500/year.
How much does cleaning business insurance cost?
A solo cleaner can expect $500–$1,500/year for GL. Companies with employees add workers' comp, which depends on payroll. Full packages for 5-10 employees typically run $3,000–$8,000/year.
Do I need insurance for residential cleaning?
Absolutely. Working in clients' homes exposes you to property damage and theft claims. Most homeowners and property managers require proof of insurance and bonding.
Related coverage
Get a free quote or call (321) 206-8035.