Core coverages in this program
- •General Liability (including care, custody & control)
- •Janitorial Service / Employee Dishonesty Bond
- •Workers' Compensation
- •Commercial Auto & Hired/Non-Owned Auto
- •Inland Marine (equipment)
- •Umbrella Liability
Florida requirements for janitorial & cleaning businesses
Florida licenses at the county and city level rather than the state, so a Miami-Dade or Broward local business tax receipt is the usual requirement. With four or more employees a non-construction cleaning company must carry workers' compensation — a threshold many growing crews cross without realizing it.
Workers' compensation in Florida
Florida requires workers' compensation at one employee for construction, four employees for most non-construction businesses, and one employee for agricultural operations with a seasonal threshold. Rates are developed through NCCI, with rates filed through the Florida Office of Insurance Regulation, and janitorial & cleaning payroll typically rates at $3 to $9 per $100 of payroll on class code 9014 (building service contractors). Named-storm deductibles, roof-age underwriting, and Citizens/E&S property placements dominate Florida property pricing. Liability is usually easy to place; property is where the program gets structured.
Think your premium is too high?
Upload your current policy and a licensed KTL specialist will benchmark it against our markets — free, no obligation.
What Florida operators actually pay in 2026
The ranges below reflect what KTL clients in Florida pay today for a small-to-midsize operation, adjusted for Florida rating. Your actual premium turns on payroll, revenue, loss history, and — more than anything — whether the risk was classified correctly to begin with.
| Coverage | What it covers | Typical FL annual cost |
|---|---|---|
| General Liability | $1M/$2M, small commercial cleaner | $550 – $1,900 |
| Janitorial Bond | $10K–$100K employee dishonesty | $150 – $700 |
| Care, Custody & Control | Damage to property you're working on | $350 – $1,400 |
| Commercial Auto | Per van | $1,400 – $2,900 |
| Umbrella | $1M excess | $700 – $1,800 |
The Florida angle most brokers miss
Post-construction and hurricane cleanup work changes your class code and your rate. Tell your broker before you take the job, not at audit.
Exposures we underwrite for Florida accounts
Every submission we send out is built around the specific ways businesses in this class actually have claims. That is what separates a benchmarked program from a rate quote.
- •Damage to client property, floors, and fixtures you're cleaning
- •Theft allegations from unsupervised access to client buildings
- •Slip-and-fall claims from wet floors during service
- •Chemical exposure and repetitive-motion injuries to crews
- •Contracts requiring limits and bonds you don't currently carry
Where we write in Florida
We serve Florida clients remotely by phone, email, and video — no office visit required — with concentrations in Miami–Dade, Broward, Orlando, Tampa Bay, Jacksonville, Fort Myers. New business, renewals, mid-term changes, and certificates are all handled directly by a licensed advisor rather than a call center.
Have Insurance Requirements From a Client?
Send us the insurance requirements from your contract, lease, vendor agreement, or licensing agency. A KTL commercial insurance specialist will review the requirements and help determine the coverage, limits, and endorsements you need.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.