Commercial cleaning companies usually need general liability, workers’ compensation, a janitorial or crime bond for client property, commercial auto or hired and non-owned auto, and often an umbrella. Facility contracts ask for additional insured status, waiver of subrogation and primary and noncontributory wording. SF Coverage checks those contracts for free, checks each certificate request the same business day when it arrives by 3 pm Pacific and reviews workers’ comp audits before you pay.
Who sets your insurance requirements
- Property managers and building owners
- Certificates naming the owner and manager, additional insured status, waiver of subrogation and primary and noncontributory wording.
- Facility management companies
- Flow down insurance terms, higher limits and annual certificate updates.
- Healthcare and lab clients
- Higher liability limits, crime coverage for client property and evidence of training.
- Public agencies and schools
- Specific limits, endorsements on file and sometimes a performance bond.
Coverage commercial cleaning and janitorial companies usually carry
Exposures to get right
Slips and client property damage
Wet floors, chemicals and equipment create third party injury and damage claims at client sites.
Theft allegations
After hours access to offices means crime coverage matters as much as liability.
High payroll and audits
Workers’ comp is usually the largest premium, so audit class codes and payroll splits need checking.
In California
- California requires janitorial employers with one or more employees and janitorial workers to register with the Labor Commissioner every year under the Property Service Workers Protection Act.
- Registered janitorial employers must provide sexual violence and harassment prevention training to workers every two years.
- California requires workers’ compensation for every employer.
How SF Coverage works for commercial cleaning and janitorial companies
Have these ready
- Labor Commissioner janitorial registration
- Current declarations pages and endorsements
- Client contract insurance sections
- Payroll and headcount by role
- Vehicle list or staff driving practices
- Loss runs for the last three years
Insurance for commercial cleaning and janitorial companies, answered
Do I need a janitorial bond?
Many clients ask for one because crews work in offices after hours. A janitorial bond or a crime policy with third party coverage responds when an employee is accused of theft from a client. SF Coverage checks what each contract asks for and whether your current policy meets it.
What do buildings usually require from cleaning companies?
Most ask for general liability naming the owner and manager as additional insureds, a waiver of subrogation, primary and noncontributory wording, workers’ compensation and auto. Some add an umbrella. The free contract check lists what is met and what needs an endorsement before you start.
How quickly can I get a certificate for a new building?
If the property manager’s request and your policies arrive by 3 pm Pacific, SF Coverage checks them against the policy in force the same business day and names the owner and manager correctly. Compliant certificates go out the same day when the policy supports the wording.
Why is my workers’ comp audit so high?
Cleaning payroll can be split across janitorial, window and clerical class codes, and audits sometimes assign it all to the highest rate or miss overtime. SF Coverage reviews the audit worksheet against your payroll before you pay and drafts a dispute when the classification is wrong.
Do cleaning companies need a janitorial bond?
Many building and office contracts ask for one. A janitorial bond responds when an employee steals from a client, and some contracts set a specific limit or ask for third party crime coverage instead. SF Coverage reads the building contract and shows exactly which form and limit it requires.
General information. Coverage depends on the policy an insurer issues.