Insurance for Texas Janitorial and Cleaning Contractors
Janitorial and cleaning contractors work inside client facilities every day, often after hours with access to valuable property. Slip-and-fall claims, property damage, and employee theft concerns make proper insurance and bonding essential for winning and keeping commercial contracts. A property manager won't even consider you without GL and a janitorial bond.
Key Risks
- ⚠Slip-and-fall injuries from wet floors — the classic claim
- ⚠Chemical damage to client property or surfaces
- ⚠Employee theft or dishonesty claims
- ⚠Damage to client equipment or furnishings
- ⚠Key holder liability — you have access to the building
- ⚠Employee injuries from chemical exposure or repetitive motion
Required Coverages
General Liability
Covers property damage and injury claims from cleaning operations.
Workers Compensation
Covers employee injuries from chemical exposure and physical work.
Janitorial Bond
Protects clients against employee theft — most commercial clients require it.
Commercial Auto
Covers vehicles used to transport cleaning equipment and supplies.
Job Requirements
- ✓Commercial clients require GL and bonding — non-negotiable
- ✓Property managers require COIs and additional insured status
- ✓Government facilities require background checks and bonding
- ✓Healthcare facilities may require specialized coverage
Frequently Asked Questions
What is a janitorial bond?
A janitorial bond protects your clients against employee theft or dishonesty. Most commercial clients require it as a condition of your contract. It's affordable and easy to set up.
Is janitorial insurance expensive?
Janitorial work is generally lower risk than construction trades. GL typically starts around $400 to $1,000 per year for small operations.