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Cleaning businesses work inside other people's homes and offices, often with a key or alarm code, and often when nobody is there. Clients and property managers want to see liability coverage and, increasingly, a janitorial bond before you start. Asshield™ insures residential cleaners, janitorial companies and vacation-rental turnover crews, and compares several companies so the coverage matches your accounts.
A cleaning company has keys to a medical office in Lexington. A newly hired cleaner is later accused of taking items from a supply room. The client asks for reimbursement. A janitorial bond (third-party crime coverage) is designed for this kind of claim, subject to its terms and any conviction or proof requirements, which is why we explain the bond wording before you buy.
Where we see it locally
In Central Kentucky we see residential cleaners, office and medical janitorial contracts, and move-out cleaning for rental owners. On the Emerald Coast, short-term rental turnovers between guests are a big part of the business.
Cleaning businesses in Kentucky
Kentucky requires workers' comp once you have one employee, including part-time and family workers. Using 1099 "independent contractors" doesn't automatically avoid it; how the work is controlled matters. Many Lexington offices and property managers ask for GL, comp and a bond in the contract.
Cleaning businesses in Florida
Florida non-construction employers generally need workers' comp at four or more employees. Rental-turnover cleaners often work under property manager contracts that set GL and bond requirements.
More: Contractors & trades hub · Pressure washing · Short-term rental insurance · Workers' comp
Risks cleaning businesses face
Damage to client property
Chemicals on floors and counters, broken items
Slip-and-fall claims
From wet floors
Theft accusations
Handled by a janitorial bond or third-party crime coverage, not GL
Lost keys and lockout costs
For re-keying a client's building, available on some policies
Employee injuries
Strains, slips and chemical exposure
Driving between jobs
In personal or business vehicles
A typical cleaning business program
Every business is different. This is a starting point we tailor to your work, contracts and state.
General liability
How it worksJanitorial bond / third-party crime
How it worksWorkers' compensation
How it worksCommercial auto or hired and non-owned auto
How it worksKey and lockout coverage where offered
Have this handy
Residential vs. commercial accounts, annual revenue and payroll, number of employees, whether you hold client keys or alarm codes, vehicles, equipment values, contract requirements and loss history.
Cleaning & janitorial insurance questions
What's the difference between general liability and a janitorial bond?
GL covers accidental injury or property damage you cause. A janitorial bond, or third-party crime coverage, is for theft by an employee from a client, subject to its terms.
Do I need workers' comp for part-time cleaners?
In Kentucky, employers with one or more employees must carry it, and part-time workers count. In Florida, non-construction employers generally need it at four or more employees.
Are my employees covered when they drive to jobs?
If they drive their own cars for work, hired and non-owned auto coverage can protect the business. Vehicles owned by the business need commercial auto.
Can you cover lost client keys?
Some policies offer key and lockout coverage for re-keying costs. Ask us which carriers include it.
We cover your assets
Compare cleaning & janitorial insurance with an independent agency
Tell us about your business once. We shop multiple carriers, explain the trade-offs in plain English, and handle certificates, audits and renewals after you bind.
Educational only — not a policy, quote, or coverage guarantee. Coverage, eligibility, and carrier availability vary by state, class of business, and underwriting. Policy language controls. Talk with a licensed Asshield agent about your situation.