Industries · Janitorial
Janitorial and Commercial Cleaning Insurance
Cleaning companies work inside clients' buildings, often after hours. Contracts frequently ask for liability, workers' comp, and sometimes bonding for employee dishonesty. KTL can help you review these needs.
Get a Janitorial QuoteExposures to think about
- Slip-and-fall claims from wet floors in client facilities.
- Damage to client property, finishes, or equipment.
- Access to client premises and keys, which may lead clients to ask about janitorial bonds or crime coverage.
- Employee injuries from lifting, chemicals, and repetitive motion.
Coverage options to discuss
Contractors General Liability
General liability is usually the first policy a client, general contractor, or property manager asks to see. It is designed to respond to claims that your work or operations caused bodily injury or property damage to someone else, subject to the policy's terms, limits, and exclusions.
Contractors Workers' Compensation
Workers' compensation is designed to provide benefits to employees who are injured on the job, as defined by state law and the policy. Most states require it once you have employees, and many general contractors require proof of it from their subcontractors.
Commercial Auto & Work Trucks
If your trucks, vans, or trailers are titled to the business, carry tools and materials, or are driven by employees, commercial auto is the policy designed for that use. It can include liability, physical damage, and other coverages depending on what you select.
Contractor Bonds
A surety bond is not an insurance policy. It is a three-party guarantee: the surety guarantees to the obligee (such as a licensing board or project owner) that you, the principal, will meet an obligation. If the surety pays a valid claim, you are generally expected to repay the surety.
Practical questions we'll ask
- Do you clean commercial offices, medical facilities, or residential properties?
- Do you perform window washing above ground level or floor stripping and refinishing?
- Do clients require a janitorial bond or third-party crime coverage?
- How many employees and part-time workers do you have?
Your answers help an agent understand which markets may be a fit. Not every janitorial business qualifies with every carrier, and some operations require additional underwriting review.
Coverage availability, eligibility, limits, and pricing are subject to underwriting and policy terms. Requesting a quote does not bind coverage.
Ready to review your coverage?
Tell us about your business. A KTL agent will review your information and follow up about available options.