Excavation Contractors Insurance

Insurance built for janitorial and cleaning businesses

Janitorial crews work inside other people’s buildings — often after hours, unsupervised, around merchandise, equipment, and sensitive areas. That access is exactly why clients demand proof of insurance, and often a janitorial bond, before signing a contract. Slip-and-fall claims from wet floors are the industry’s signature exposure.

We build insurance programs for commercial cleaning and janitorial companies of every size, comparing multiple A-rated carriers so you can meet contract requirements and win bigger accounts.

Key risks we cover

• Slip-and-fall claims — wet floors and walkways injuring building occupants and visitors.
• Property damage — damaged floors, equipment, and merchandise while cleaning.
• Employee injuries — chemical exposure, strains, and repetitive motion injuries.
• Theft and dishonesty claims — client property allegations — the reason clients require janitorial bonds.
• Vehicle accidents — crews moving between buildings, often at night.

Recommended coverages

• General Liability — slip-and-fall and property damage claims — the coverage every cleaning contract requires.
• Workers’ Compensation — required in most states with employees; protects your crews.
• Commercial Auto — vehicles moving crews and supplies between accounts.
• Inland Marine (Tools & Equipment) — floor machines and equipment moving between buildings.
• Umbrella / Excess Liability — extra limits for large facility and national account contracts.

How much does janitorial insurance cost?

Premiums depend on payroll, the types of facilities you clean, your crew size, and your state. Comparing quotes from multiple A-rated carriers is the most reliable way to meet contract requirements at the best price. Complete our quick quote form and we’ll shop the market for you.

Frequently asked questions

What insurance do cleaning contracts usually require?

Most commercial cleaning contracts require general liability (typically $1M/$2M), workers’ compensation, and often a janitorial bond covering employee dishonesty.

What is a janitorial bond?

A janitorial bond protects your clients against employee theft claims. Many facility contracts require one — we can include bonding in your program.

Are after-hours and unsupervised crews covered?

Yes — your policies cover your employees wherever and whenever they work. Correct payroll classification keeps your premium accurate.