Cleaning / janitorial insurance
Commercial cleaning contracts almost always gate on a certificate of insurance — most property managers ask for $1M per occurrence before your crew badges in, and many add a janitorial bond.
The typical coverage stack
What a cleaning / janitorial operation usually carries. Workers’-comp rules depend on your state — run the checker with your state for the exact answer.
General liability
Commonly required by clientsThe policy clients ask for on a certificate — $1M per occurrence / $2M aggregate is the common commercial-contract minimum.
$360–$720/yr typical
Workers' comp
Commonly required by clientsWhether it is legally required depends on your state — most mandate it once you hire. Run the checker with your state for the exact rule.
Per $100 of payroll — run the checker with your state
Janitorial / fidelity bond
Commonly required by clientsMany commercial cleaning contracts require a small janitorial (fidelity) bond in addition to liability.
$100–$200/yr typical
Compare quotes
We only link where a partner exists, and we never reorder these for a commission.
Simply Business
A marketplace that shops multiple carriers in one flow — the fastest way to line up quotes side by side, and strong for same-day COIs.
Simply Business — trades
Trade-focused quote flow for contractors, cleaners, and other hands-on businesses.
Hiscox
A direct writer (not a marketplace) with a strong appetite for consultants and service firms; professional liability is its bread and butter.