Janitorial Insurance

You depend on your cleaning gear to deliver efficient, high-quality service. Tools and equipment insurance (aka inland marine) protects these valuable assets while they’re in transit, stored, or on-site. This coverage safeguards against theft or damage caused by accidents, vandalism, or weather events.

Tools and equipment insurance covers:

• Damage while transporting or using your equipment
• Stolen tools or machines from your vehicle, storage, or job location
• Vandalism to your equipment when left unattended

Note: This insurance protects against theft or damage, but doesn’t cover mysterious or unexplained disappearance.

Janitorial work involves physical labor, moving heavy equipment, and handling chemicals — these tasks increase the chance of accidents or injuries on the job. Workers compensation protects your business by covering medical bills and wages if an employee gets hurt while working.

Workers compensation covers:

• Medical treatment for injuries or illnesses from work
• Rehabilitation and physical therapy
• Partial wages while employees recover
• Legal fees if your business faces claims related to workplace injuries
• Disability payments and survivor benefits

It doesn’t cover injuries caused by employee intoxication, accidents outside of work, or claims from independent contractors.

Note: Workers comp is required by law in many states once you hire employees.

You drive between job sites, haul heavy equipment, and often work outside of regular business hours. Commercial auto insurance protects janitorial businesses from accidents, vehicle damage, and liability while driving for work.

Commercial auto insurance covers:

• Repair costs if your van is damaged in a collision while traveling to a client site
• Medical expenses and legal fees if your vehicle causes an accident that injures someone
• Theft or vandalism of cleaning equipment stored in your company vehicle

Personal auto insurance doesn’t cover work-related driving. You need a commercial auto policy to stay protected if you use your car for business — even just to get to job sites.

Even the most reliable teams can make costly mistakes. A janitorial bond protects you when your employee is accused of theft, keeping your clients confident and your reputation intact.

Here’s how it works:

• A client reports theft after a cleaning job
• The bond company investigates the claim
• If the claim is valid, the client gets reimbursed
• Your business pays the bond company back for the amount paid

This type of bond is often expected in commercial contracts and residential services. It signals professionalism, builds client trust, and can be purchased quickly online.

Adding an additional insured (AI) to your cleaning insurance policy helps you meet contract requirements and build strong business relationships. It does not change your coverage — it extends your policy’s protection to the AI for liability caused by your operations.

An additional insured is usually a property manager or building owner who wants to be protected under your general liability policy if something goes wrong during a job.

Tip: Most commercial cleaning contracts won’t move forward unless the property manager or homeowner’s association (HOA) is added as an additional insured. You can add one or multiple parties during checkout or from your customer dashboard anytime for $10 / year / AI.

If you collect payments online, use scheduling apps, or store client information digitally, you’re exposed to cyber risks. Cyber liability insurance protects your cleaning business from the financial fallout of cyberattacks like phishing scams, ransomware, or data breaches.

A single click on a fake email or a weak password can lead to stolen client information, legal claims, or major recovery costs. Cyber liability insurance can cover:

• Credit monitoring and notification costs after a breach
• Ransom payments if your systems are held hostage
• Public relations support to protect your reputation
• Legal fees, fines, and settlement costs
• Data recovery and system repairs

You don’t need to be a tech company to be a target. Cleaning businesses are often hit because they’re the least prepared. Even if you’re a solo cleaner with a basic website or payment processor, cyber liability coverage helps you bounce back from a digital disaster.