What is a janitorial bond and do I need one?

A janitorial or business services bond can reimburse a client if a covered employee theft occurs. Many commercial clients require one before awarding a contract, so whether you need it often depends on the clients you serve.

Do I need workers comp for a small cleaning crew?

In nearly every state, workers compensation is required once you have employees, and cleaning work carries real injury exposure. Rules for owners and very small crews vary by state, so it is worth confirming for your situation.

My client contract lists insurance requirements I do not understand.

Contracts often require specific limits, additional insured status, and waivers of subrogation. Whether your current policy meets them depends on the exact wording, so it should be reviewed against the contract before you sign.

Cleaning & Janitorial Insurance - Vantage Point Risk

Cleaning and janitorial insurance, built for work inside other people's property.

Cleaning businesses work inside homes and commercial spaces, often with keys, access, and crews. That creates a distinct mix of liability, client-property, employee, and contract risk. Clients frequently require proof of coverage before they will let you on site.

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Most cleaning and janitorial businesses start with general liability for damage and injury at a client site, then add the pieces that fit how they operate: employees, vehicles, and the bonds or certificates that clients require.

Where cleaning risk shows up

The common exposures are damaging a client's property, an injury at a job site, and employee injuries from repetitive or chemical work. Janitorial and commercial contracts often add requirements like additional insured status, waivers of subrogation, and sometimes a janitorial bond.

Because crews come and go from client property, theft allegations and access risk are real, which is why many clients ask for a bond in addition to liability coverage.

Coverage that commonly applies

General liability is the foundation. Workers compensation is required in nearly every state once you have employees and is central to this trade because of the physical, chemical, and slip exposures. If your crews drive to job sites, commercial auto and hired and non-owned auto are worth reviewing.

A janitorial or business services bond is commonly requested by commercial clients, and a commercial umbrella can satisfy higher contract limits.

When it is worth a review

Review your program when you take on a commercial contract with insurance requirements, add employees or subcontractors, start using company or personal vehicles for work, or expand into specialty cleaning that uses stronger chemicals or equipment.

Cleaning and janitorial insurance, built for work inside other people's property.

Where cleaning risk shows up

Coverage that commonly applies

When it is worth a review

Common questions.

Not sure your coverage fits how you operate?

Keep going.

General Liability

Workers Compensation

Commercial Auto

Commercial Umbrella

Cleaning and janitorial insurance, built for work inside other people's property.