Commercial cleaning and janitorial businesses need a specific insurance program that covers the exposures unique to working inside other people’s properties — property damage to client facilities, employee injuries from chemical exposure and repetitive motion, theft allegations, and slip-and-fall liability from wet floors your crew just mopped.
Most commercial cleaning contracts require proof of GL, workers’ comp, and a dishonesty/janitorial bond before you can start work. For cleaning companies financing equipment or vehicles through SBA loans, additional hazard insurance requirements apply.
Key Takeaways
- GL cost: $500–$2,500/year for most cleaning businesses
- Janitorial bond: $100–$500/year — protects clients against theft by your employees
- Workers’ comp: Chemical burns, slip-and-fall, and repetitive strain are common cleaning claims
- Commercial auto: If crews drive company vehicles to client sites
- Client contract requirements: Most commercial clients require $1M/$2M GL, workers’ comp, and a janitorial bond as minimum
Frequently Asked Questions
What insurance does a commercial cleaning company need?
At minimum: general liability ($1M/$2M), workers’ compensation, a janitorial/dishonesty bond, and commercial auto if you have company vehicles. Larger operations should add an umbrella and inland marine for equipment. Most commercial clients require all of these before you can start a cleaning contract.
Disclaimer: This article is for informational purposes only and does not constitute insurance or legal advice. Consult our licensed advisors for guidance specific to your business.
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