Commercial industry
Cleaning Company Insurance
A cleaning company works in buildings it does not own, with keys it does not get to lose, and with chemicals a standard GL pollution exclusion will not love. The file is general liability with janitorial-friendly wording, a service or fidelity bond when the client requires it, and inland marine or bailee coverage when you take rugs or furniture off site.
We place building-maintenance and specialty cleaners (carpet, upholstery, post-construction). If you apply pesticides as part of a “clean and treat” add-on, that is a limited-operations endorsement, not a free extra.
Risks we actually schedule
- Damage to client property while cleaning — floors, fixtures, and furniture.
- Lost keys and the rekey of an entire commercial floor.
- Chemical injury or a limited pollution claim from products you apply.
- Employee dishonesty or a service-bond claim after a missing-item allegation.
Frequently asked questions
Why do property managers ask for a bond?
They are handing you keys and unsupervised access. A service or fidelity bond is their financial backstop. It is not a substitute for your GL.
Does GL cover a ruined hardwood floor?
Sometimes, as property-damage liability, subject to care-custody-control and work-you-performed limitations. We look at janitorial endorsements that soften those gaps.
We clean after contractors. Is that a different class?
Post-construction cleaning can be written, but we need to know you are not doing the construction. Debris, silica dust, and jobsite status change the application.
Related coverage, industries, and locations
General Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsSurety Bonds
License and permit bonds, contract bonds, and business service bonds for trades and service companies.
Coverage detailsInland Marine
Tools, equipment, cargo, installation jobs, and property that moves — the coverage a building policy leaves behind.
Coverage detailsWorkers Compensation
Private WC in competitive states, plus stop-gap and multi-state design. Washington employers stay with L&I for WA payroll.
Coverage detailsProperty Management
Managers of commercial office, retail, and industrial buildings — GL, E&O, EPL, and the owner certificates you issue every week.
Industry pageLaundry and Dry Cleaning
Bailee coverage for customers’ garments, plus equipment breakdown on the plant.
Industry pagePersonal Services
A hub for service businesses that work on people or their property — not a dump page, a place to start.
Industry pageOregon
Licensed commercial insurance broker serving Oregon.
State page