Cleaning Insurance

Janitorial / Cleaner Insurance

Coverage built around janitorial and commercial cleaning operations.

What this coverage is intended to address

✓Third-party bodily injury (slip, fall, wet floor) at customer premises
✓Allegations of damage to a customer's equipment, fixtures, or property during cleaning
✓Theft or dishonesty allegations against employees (addressed by a janitorial bond, sometimes called a fidelity bond)
✓Cleaning supplies and equipment in transit and on-site (when scheduled on the policy)

Important: Coverage terms, eligibility, and pricing are determined by the carrier and vary by state and individual circumstance. The information on this page is general and educational — nothing here implies, affords, or offers any specific insurance coverage. Review the actual policy form and consult a licensed insurance professional before binding.

Coverage products commonly considered

Most janitorial / cleaner operations consider one or more of these coverage types:

General Liability

Janitorial Bond / Fidelity

Workers Compensation

Hypothetical claim scenarios

These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.

A cleaner accidentally damages a customer's electronic equipment while dusting. The general liability policy is generally intended to respond to allegations of this nature in the event of a covered claim.
A client alleges items went missing after a cleaning. A janitorial / fidelity bond is generally intended to address allegations of this type.

Frequently asked questions

What's the difference between a janitorial bond and general liability?

General liability is generally intended to address third-party bodily injury and property damage at customer locations. A janitorial bond — sometimes called a fidelity bond — is generally intended to address allegations of dishonesty or theft by employees while on a customer's premises. Most cleaning companies carry both.

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