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)
Coverage products commonly considered
Most janitorial / cleaner operations consider one or more of these coverage types:
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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