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
Texas requirements for janitorial & cleaning businesses
Texas requires no state janitorial license, so what governs is the service contract. Houston, Dallas, and Austin facility contracts typically demand $1M/$2M general liability, care-custody-and-control coverage, a $25K–$50K dishonesty bond, and a waiver of subrogation on workers' compensation.
Workers' compensation in Texas
Texas is the only state where private workers' compensation is optional. Going bare as a 'non-subscriber' removes the exclusive-remedy protection, which is why nearly every general contractor, landlord, and municipality requires subscription anyway. Rates are developed through TDI-approved carriers using NCCI class codes, and janitorial & cleaning payroll typically rates at $3 to $9 per $100 of payroll on class code 9014 (building service contractors). Non-subscriber status must be reported to the Texas Department of Insurance annually and posted for employees. Most contracts override the choice — read the insurance exhibit before deciding to opt out.
What Texas operators actually pay in 2026
The ranges below reflect what KTL clients in Texas pay today for a small-to-midsize operation, adjusted for Texas 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 TX annual cost |
|---|---|---|
| General Liability | $1M/$2M, small commercial cleaner | $450 – $1,600 |
| Janitorial Bond | $10K–$100K employee dishonesty | $150 – $600 |
| Care, Custody & Control | Damage to property you're working on | $300 – $1,200 |
| Commercial Auto | Per van | $1,200 – $2,450 |
| Umbrella | $1M excess | $600 – $1,550 |
The Texas angle most brokers miss
Texas cleaners bidding on large commercial portfolios usually lose bids on insurance language, not price. We build a program that answers the standard DFW and Houston facility exhibit up front.
Exposures we underwrite for Texas 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 Texas
We serve Texas clients remotely by phone, email, and video — no office visit required — with concentrations in Houston, Dallas–Fort Worth, Austin, San Antonio, El Paso. New business, renewals, mid-term changes, and certificates are all handled directly by a licensed advisor rather than a call center.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.