Janitorial Insurance

Core coverages in this program

• •General Liability
• •Janitorial Services (Employee Dishonesty) Bond
• •Workers' Compensation
• •Inland Marine
• •Commercial Auto
• •Cyber Liability

How janitorial insurance differs from residential cleaning

Commercial janitorial contracts are heavier on three things: after-hours access to unoccupied buildings (theft allegation risk), higher property values in the buildings serviced (a $50K bond is often required), and contract clauses that demand waiver of subrogation and blanket additional insured. Residential cleaning policies rarely include these; janitorial-specific programs do.

Who this fits

Janitorial insurance is the right package for:

• •Office building janitorial contractors
• •Medical office & clinic cleaning specialists
• •School & university custodial contractors
• •Bank & financial institution night cleaners
• •Industrial & manufacturing plant cleaners
• •Data center & clean-room specialty crews

What janitorial insurance costs

A small janitorial contractor (2–5 employees, $200K in revenue) typically pays $1,500–$3,000 for $1M/$2M general liability. A $25K janitorial bond adds $250–$500. Workers' comp on class 9014 usually prices at $4–$9 per $100 of payroll. A 15-employee commercial janitorial company usually lands between $8,000 and $18,000 total across GL, bond, work comp, and auto.

The class-code mistake that costs janitorial companies real money

Many janitorial companies are written on class code 9015 (building operations) or worse — 5474 (painting) — instead of 9014 (janitorial). The rate difference is often 40%+. KTL audits every janitorial policy on quote for correct class code and payroll allocation.