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Janitorial Services Insurance

GL and property damage for cleaning contractors.

Commercial cleaning, sanitization, and specialty cleaning firms.

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Overview

Janitorial contracts routinely require a janitorial (fidelity) bond in addition to standard GL.

General liability for property damage

Cleaning crews work inside client premises with chemicals, equipment, and after-hours access. GL responds to damage caused by cleaning agents, water intrusion, and accidental breakage, while a janitorial bond protects against theft allegations.

Workers' comp and commercial auto for mobile crews

Janitorial employees drive between accounts, lift equipment, and work on their feet. Workers' comp and hired/non-owned auto coverage are essential for any contractor with a mobile workforce.

Janitorial Services Insurance by State

State-specific licensing, workers' comp, and 2026 costs

Requirements and pricing shift state to state. Start with yours.

Don't see your state? We most likely still write it. KTL is licensed in most U.S. states and places janitorial services coverage nationwide — tell us where you operate and we'll shop your account with 20+ carriers.

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