Office Cleaning Insurance
Coverage for office and commercial cleaning crews working after hours around electronics, glass, and shared building spaces.
What this coverage is intended to address
- ✓Property damage that may arise when cleaning around computers, monitors, and office equipment
- ✓Slip-and-fall bodily injury to a returning employee or tenant on a wet or freshly cleaned floor
- ✓Allegations of theft from a client's premises, which a janitorial / fidelity bond is generally intended to address
Coverage products commonly considered
Most office cleaning 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 cleaning cart clips a desk and knocks a monitor to the floor, cracking the screen — general liability is intended to respond in the event of a covered claim.
- An employee arriving early slips on a just-mopped lobby tile and alleges an injury. An allegation of this kind is generally intended to be addressed under the liability coverage.
Frequently asked questions
Do office clients usually require proof of insurance?
Property managers and building owners frequently require a certificate of insurance, often naming them as additional insured, before granting after-hours access. Requirements vary by client and building.
What about theft allegations on a client's premises?
Working unsupervised in client offices raises theft exposure. A janitorial or fidelity bond is generally intended to respond to covered employee-theft claims, separate from liability coverage. Availability varies by carrier.
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