Janitorial & Commercial Cleaning insurance · Nationwide
Coverage that satisfies the building manager's checklist
A slip on a freshly mopped floor, a chemical spill, a master key that goes missing. Commercial cleaning carries liability tied to being trusted inside someone else's building after hours. We connect you with specialists who know what property managers actually require.
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Coverage janitorial companies carry
Cleaning contractors work unsupervised, after hours, inside buildings full of other people's property. That combination, keys, empty premises and no witnesses, is why clients ask for certificates and bonding before they ask about anything else.
General Liability
Third-party injury and property damage. Wet-floor falls, damaged finishes, and equipment marks on client property.
A wet floor you created that a member of the public then walks on is the defining claim. Client contracts almost always specify $1M / $2M and additional insured status.
Workers' Compensation
Medical bills and lost wages for chemical exposure, slips, and repetitive strain across cleaning crews.
Janitorial carries one of the higher injury rates in service work. Night shifts and lone working are what carriers ask about, alongside your chemical handling.
Commercial Auto
Vans carrying crews, machines, and chemicals between sites: liability, collision, and hired or non-owned autos.
Crews often drive their own cars between accounts, which is exactly what hired and non-owned is for. Without it those trips are uninsured from your side.
Commercial Property
Your premises, stored chemicals, and floor machines against fire, theft, and storms.
Stored chemicals affect how the building is rated, and machines are the theft target. Value burnishers and extractors at replacement, not what you paid.
FAQFrequently Asked Questions
General liability covers third-party injury and property damage claims. A janitorial (fidelity) bond specifically protects your client against theft by your employees while they have building access. Property managers often require both.
Almost always, yes: most building managers and property management companies require proof of active general liability coverage, and often a bond, before awarding or renewing a cleaning contract.
It can be, particularly if proper wet-floor signage wasn't used. General liability covers these claims, which is exactly why proper procedures plus adequate coverage both matter.
That's a general liability claim: third-party property damage caused by your work, even when the damage wasn't intentional or obvious until after the chemical dried.