Commercial Cleaning
Coverage built for janitorial contractors working in office buildings, retail spaces, schools, and commercial properties. The bonds, certificates, and endorsements your clients require — handled fast.
Commercial and janitorial cleaning work carries different risks than residential work. You're working in occupied buildings, around expensive equipment, alongside other tenants and vendors, and often under contract with property managers or facility managers who have specific insurance requirements. Generic business insurance often falls short of what the contract actually requires.
The foundation of any commercial cleaning program. Covers third-party bodily injury and property damage — a wet floor causes a slip-and-fall, a chemical spill damages flooring or equipment, or you accidentally damage a client's property. Most commercial contracts require a minimum of $1M/$2M, and many require $2M/$4M for larger facilities.
Many commercial clients and property managers require a janitorial bond before signing a contract. It's a surety bond that protects the client if an employee steals from them or a contracted job isn't completed. We can quote bonds alongside your GL policy.
Property managers and facility owners almost always require to be named as additional insured on your policy. A blanket additional insured endorsement covers any property owner or manager you work for without having to add them one by one — making certificate production fast and easy.
Many commercial contracts require a waiver of subrogation, which prevents your insurance carrier from pursuing recovery from the property owner if they pay a claim on your behalf. This is a standard endorsement we can add to your policy.
Your crews work unsupervised, often after hours, inside occupied buildings full of other people's property. Employee dishonesty coverage protects your clients — and your reputation — if an employee steals or acts dishonestly while on the job.
Some contracts require your insurance to be primary and non-contributory, meaning your policy responds first before any other coverage. This is an endorsement we can add when required by contract.
Commercial cleaning work almost always requires a certificate of insurance before you can start. Once you bind coverage with us, your COI is issued instantly — ready to send to your property manager or facility manager the same day you need it.
Most commercial cleaning contracts require a minimum of $1M per occurrence and $2M aggregate in general liability. Larger facilities, government contracts, and work in certain industries may require $2M/$4M. We can quote both and help you match your coverage to your contract requirements.
Get your free quote
Our licensed agents build your custom quote — typically same business day.
FAQ
Most commercial contracts require a minimum of $1M per occurrence / $2M aggregate. Larger projects and government contracts often require $2M/$4M. We can quote both.
Not always, but many commercial and government contracts require one. It's worth asking your client upfront so we can quote GL and bonding together and avoid delays.
A waiver of subrogation prevents your carrier from pursuing recovery from your client after paying a claim. Many commercial contracts require it. We can add it to your policy.
Your COI is issued instantly once you bind coverage. Same-day coverage is typically available, so you can often get a COI the same day you need it.
Yes. We can write coverage that accounts for your employees and subcontractors. Tell us your setup on the quote form and we'll structure the coverage accordingly.
Licensed agents build your custom quote — typically same business day. Review, enroll, and get your COI instantly.