Janitorial & cleaning insurance, shopped across 20+ carriers
Janitorial and cleaning insurance is a commercial general liability and bonding package that covers cleaning service businesses against property damage, bodily injury, and employee-theft claims from commercial or residential cleaning operations.
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- Licensed in 5 states
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Affordable janitorial & cleaning insurance in NV, AZ, UT, TX & OH
Commercial cleaning companies, office cleaning services, residential maid services, post-construction cleaning crews, and industrial cleaning contractors in NV, TX, OH, UT, or AZ. Commercial clients universally require proof of insurance and a dishonesty bond before awarding contracts.
As a local broker with access to 20+ carriers, Liberty Choice does the shopping for you and brings back a competitive rate you qualify for — across all five states we’re licensed in.
At a glance
Janitorial & cleaning insurance at a glance
- A janitorial bond is as important as liability for commercial contracts. Commercial cleaning clients, office buildings, medical facilities, schools, universally require a surety (dishonesty) bond covering employee theft as a condition of awarding contracts; a bond alone is not insurance, and you need both.
- Property damage from cleaning operations is the most common claim. Spilled cleaning products, water damage from equipment, broken or scratched surfaces, and chemical damage to flooring are the most frequent general liability claims janitorial businesses face.
- Workers' comp is required in NV, AZ, UT, and OH from the first employee. Cleaning workers face elevated slip-and-fall, chemical exposure, and repetitive-motion risks; workers' comp is legally required in four of the five states Liberty Choice serves as soon as you have one employee.
- Commercial vans transporting crews need commercial auto coverage. Personal auto insurance excludes commercial use; vans transporting cleaning crews, supplies, and equipment between client sites must be on a commercial auto policy to be covered in an accident.
Source: Insureon (2025). Janitorial companies pay an average of $50/month ($603/yr) for general liability and $11/month ($126/yr) for a janitorial bond. insureon.com/cleaning-business-insurance/janitorial-services/cost
Coverage explained
What janitorial & cleaning insurance covers
The details
The parts of a janitorial & cleaning policy
| Coverage | What it covers | Typically |
|---|---|---|
| Commercial General Liability (CGL) | Third-party property damage and bodily injury during cleaning operations, including broken fixtures, chemical spills, and slip-and-fall claims from wet floors | Required |
| Products and Completed Operations | Damage from cleaning products or procedures discovered after the crew has left, such as surface etching or discoloration from an incorrect chemical | Recommended |
| Janitorial Dishonesty Bond | Reimburses clients if an employee steals cash, electronics, or valuables while cleaning their property | Required |
| Workers Compensation | Medical and wage replacement for employees injured by chemical exposure, slip-and-fall hazards, heavy equipment, or repetitive-motion strain | Required |
| Commercial Auto | Liability and physical damage for vans transporting cleaning crews and supplies between commercial accounts | Recommended |
| Umbrella and Excess Liability | Additional limits above the CGL for large-account contracts with government, healthcare, or Class A office clients who require higher minimums | Optional |
| Pollution Liability | Third-party injury or property damage from cleaning chemical fumes or solvent vapor in enclosed spaces | Add-on |
| Business Owners Policy (BOP) | Bundles CGL and commercial property coverage at a lower combined premium for cleaning businesses with a small office or supply storage location | Recommended |
Requirements vary by state — your Liberty Choice agent confirms exactly what NV, AZ, UT, TX or OH requires.
How does janitorial & cleaning insurance work?
Janitorial insurance is built around two distinct protection needs: CGL covers accidental property damage and bodily injury your crew causes while cleaning (a broken glass display case, a slippery wet floor that a building occupant slips on), while a janitorial dishonesty bond covers your clients if an employee steals from their premises. Because cleaning crews work unsupervised inside offices, medical facilities, and retail stores overnight, clients treat the bond as a non-negotiable contract requirement. Workers' comp is equally critical because janitors face slip-and-fall injuries, chemical exposure from cleaning products, and repetitive-stress risks across long shifts. Commercial auto is needed for vans transporting crews and supplies between accounts.
Beyond the basics
Optional & additional coverage
Ask your agent about these add-ons for extra peace of mind:
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Ways to save on janitorial & cleaning insurance
- Bundle CGL, bond, and auto in one commercial package. Packaging general liability, the janitorial bond, commercial property, workers' comp, and commercial auto under a single carrier program typically earns a multi-policy discount.
- Hire and train carefully to reduce bond claims. Background checks, hiring standards, and documented employee training reduce the frequency of dishonesty bond claims, which directly affects bond pricing at renewal.
- Use approved cleaning products and documented procedures. Standard, manufacturer-approved cleaning chemicals and written cleaning protocols reduce property damage claims and demonstrate lower risk to underwriters.
- Maintain a claims-free loss history. A clean general liability record over three to five years is the single most effective way to keep janitorial insurance premiums low.
- Raise your general liability deductible. A higher per-occurrence deductible on your CGL policy lowers the annual premium; set it where you can absorb smaller property-damage incidents.
- Pay the full annual premium upfront. Annual payment typically earns a 3-5% discount from most commercial carriers.
Source: Insureon (2025). Average janitorial GL at $603/yr and bond at $126/yr; bundling and claims-free history are the primary documented savings strategies. insureon.com/cleaning-business-insurance/cost
Questions
Janitorial & cleaning insurance FAQ
How much general liability does a cleaning business need?
What's the difference between a cleaning bond and liability insurance?
Do I need to be licensed in multiple states if I clean in more than one?
How much does janitorial insurance cost?
What is the difference between a cleaning bond and liability insurance?
Does my janitorial insurance cover damage I accidentally cause to a client's office furniture or floors?
Do I need to carry insurance in every state where I have cleaning clients?
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