Solutions Specialty Insurance Brokers

Janitorial & Cleaning Business Insurance

Your crews work in other people’s buildings, often after hours, around chemicals, wet floors, and expensive equipment. One slip, one broken fixture, or one theft accusation can cost you a contract or your business.

Get a Free QuoteCall (323) 771-0777

Licensed in CA, AZ & NV15+ Years of Experience“A” Rated CarriersFree, No-Obligation Quotes

Solutions Specialty Insurance Brokers places janitorial insurance with several “A” AM Best rated carriers, so your coverage fits how your cleaning company actually operates.

Why Cleaning Companies Need Specialized Insurance

Cleaning work creates risks a generic small business policy can miss. A broker who knows janitorial operations can spot the gaps before a claim does.

Common exposures include:

  • ✔Slip-and-fall injuries from mopping, waxing, and floor polishing
  • ✔Damage to client property such as desks, blinds, electronics, and flooring
  • ✔Employee injuries from lifting, repetitive motion, and chemical handling
  • ✔Theft allegations when crews have keys and after-hours access
  • ✔Stolen or damaged equipment like floor machines and vacuums
  • ✔Vehicle accidents while driving between job sites

Who We Insure

We write cleaning business insurance for established operations and startups alike.

Commercial Cleaning & Janitorial Services

Office buildings, retail spaces, medical offices, and other commercial facilities.

Mixed Commercial and Residential Operations

Companies that serve both business clients and homeowners.

New Ventures

Just starting out? We help new cleaning businesses get covered and contract-ready.

Janitorial Insurance Coverage Options

Build a package around your services, payroll, and client contracts.

General Liability Insurance

Covers third-party bodily injury and property damage claims, with limits up to $2,000,000 per occurrence. This is the policy most commercial clients ask to see on a certificate of insurance.

Inland Marine (Tools & Equipment)

Protects your floor machines, vacuums, and supplies, whether they’re in the van, in storage, or on a job site.

Business Income Coverage

Replaces lost income if a covered loss forces you to suspend operations.

Workers’ Compensation Insurance

Pays medical costs and lost wages when employees are injured on the job. California requires it for any business with employees.

Business Auto Insurance

Covers the vehicles you and your employees drive to and from client locations.

Employment Practices Liability Insurance (EPLI)

Protects you against claims of discrimination, harassment, and wrongful termination from current or former employees.

Janitorial Bonds (Employee Dishonesty)

Protects your clients against theft by your employees. A bond shows new clients your team can be trusted with their keys and property.

Not sure which coverages you need? Call (323) 771-0777 and we’ll review your exposures with you.

Why Choose Solutions Specialty Insurance Brokers

  • ✔“A” AM Best rated carriers: compare options from multiple insurers in one place
  • ✔Industry-specific guidance: we focus on the risks cleaning companies actually face
  • ✔Coverage for startups: new ventures are welcome, not just established operations
  • ✔Local offices: Maywood (Los Angeles County) and Corona (Riverside County, by appointment)

How to Get a Janitorial Insurance Quote

  • ✔1. Tell us about your business: services offered, number of employees, and annual revenue.
  • ✔2. We shop our carriers: we compare coverage and pricing from multiple A-rated insurers.
  • ✔3. Review and bind: choose your policy and get the certificates your clients need.

Request Your Free Quote

Janitorial & Cleaning Insurance FAQs

What insurance does a cleaning business need?

Most cleaning businesses need general liability at minimum. If you have employees, vehicles, or contracts that require bonding, add workers’ comp, business auto, and a janitorial bond.

How much does janitorial insurance cost?

Premiums depend on your services, payroll, revenue, claims history, and coverage limits. A free quote is the fastest way to get an accurate number.

Is workers’ compensation required for cleaning companies in California?

Yes. California requires workers’ compensation for any business with one or more employees, including part-time staff.

What is a janitorial bond, and do I need one?

A janitorial bond protects your clients if an employee steals from them. Many commercial clients require one before signing a cleaning contract.

Does general liability cover damage to a client’s property?

It covers third-party property damage, but property in your “care, custody, or control” may be excluded. Ask us about endorsements that close this gap for cleaning work.

Can a new cleaning business get insurance?

Yes. New ventures are an eligible class, and we can get you covered before you land your first contract.

Are my cleaning tools and equipment covered?

Not under general liability. Inland marine coverage protects your tools and equipment at job sites, in transit, and in storage.

How do I get a certificate of insurance for a client?

Once your policy is bound, we issue certificates of insurance on request. Call us with your client’s details and we’ll handle it.

Protect Your Cleaning Business Today

The right coverage helps you win bigger contracts and keeps one bad day from turning into a business-ending claim. Let us find the policy that fits your operation.

Get a Free QuoteCall (323) 771-0777

Maywood: 4445 Slauson Ave, Maywood, CA 90270  |  Corona (by appointment): 4160 Temescal Canyon Rd Ste 401, Corona, CA 92883
Mon–Fri 9:30am–5:30pm  |  Sat 10:00am–3:00pm  |  Sun closed