General liability
Injury and property damage in client premises, including slip claims from wet floors.
Business Insurance
Janitorial insurance for crews with the keys.
Cleaning contractors work unsupervised in other people's buildings, usually out of hours, often with keys and alarm codes. That trust is the exposure.
Janitorial insurance is shaped by a single feature of the trade: your staff are alone in a client's premises when nobody else is there. That drives what commercial clients ask for in a contract, and it explains why a janitorial bond appears in almost every cleaning tender alongside the liability requirement.
Janitorial bonds are not insurance
A janitorial bond, sometimes called an employee dishonesty bond, reimburses the client if one of your employees steals from their premises. Clients ask for it constantly and often use the words interchangeably with insurance, but it is a separate instrument that protects them rather than you.
Most bonds require the theft to be established, frequently through a conviction, which is worth understanding before promising a client it covers every disappearance. We arrange bonds alongside the liability cover so the whole tender requirement is met in one go.
Damage to what you are cleaning
Care, custody and control is the exclusion that matters most in this trade. Damage to the client's building is one thing; damage to the specific item you were cleaning — the carpet, the marble, the equipment — falls into a different category and may not be covered by a standard form.
If your work involves specialist surfaces, floor refinishing or equipment cleaning, that is worth addressing explicitly rather than assuming general liability handles it.
What it covers
The parts of a janitorial insurance policy
Janitorial bond
Reimburses clients for employee theft. Requested in nearly every commercial cleaning contract.
Care, custody and control
Damage to the property you are actually working on, which standard forms often exclude.
Workers compensation
For cleaning crews, and commonly required by commercial property managers.
Commercial auto
Vehicles moving crews and equipment between sites.
Equipment
Buffers, extractors and machinery, covered away from your own premises.
Working with us
What we do differently
We are an independent agency, so we place your janitorial insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Arrange the janitorial bond and the liability cover together — tenders want both
- Address care, custody and control if you clean specialist surfaces or equipment
- Confirm what the bond actually requires before promising a client it covers theft
- Keep certificates current for property managers, who audit them regularly
Common questions
Janitorial Insurance, answered
What is a janitorial bond?
It reimburses your client if one of your employees steals from their premises. It protects the client rather than your business, and most bonds require the theft to be established, often through a conviction. It is separate from your liability insurance.
Do I need both a bond and liability insurance?
Almost always. Commercial cleaning contracts typically require general liability for damage and injury, and a bond for employee dishonesty. They cover entirely different things.
Am I covered if my crew damages a client's carpet while cleaning it?
That is where care, custody and control matters. Damage to the surrounding property is generally covered; damage to the item you were working on may be excluded unless the policy is written to include it.
Is a slip and fall from a wet floor covered?
Yes, that is a core general liability claim for this trade. Signage and procedure records help considerably at claim time and often at renewal too.
Do property managers require workers comp?
Many do, regardless of Texas making it optional. It is worth checking the contract before bidding, as adding it later can change your pricing.
Related cover
Often arranged alongside this
General Liability Insurance
Commercial general liability covers claims brought against your business by other people. It is also the policy almost every client contract and commercial lease requires you to hold.
Read moreBusiness Insurance
A shop, a contractor and a software firm face entirely different risks. We place commercial cover across multiple carriers rather than fitting you to one company's template.
Read moreSurety Bonds
A bond is not insurance. It guarantees to somebody else that you will do what you agreed — and if you do not, you repay the surety.
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