Janitorial Contractors: Insurance Coverage, Liability, and Clean Audit Tips
Mr. Hoots breaks down what janitorial businesses need to know about insurance, safety, and keeping contracts squeaky clean.
Hoo’s there? Mr. Hoots here, perched on a mop handle this time. If you run a janitorial or cleaning service, you know it’s not just about making things shine, it’s about keeping your business spotless from risks too. Let’s scrub through the key coverage, common questions, and audit must-knows for janitorial pros.
What kinds of risks do janitors face?
- Slip and fall accidents on freshly mopped floors
- Chemical exposure from cleaning supplies
- Property damage (spilled solution on carpet, scratched surface, broken glass)
- Tool & equipment loss (vacuums, floor machines, cleaning carts)
- Contract compliance (most facilities require proof of insurance)
General Liability & Property Coverage
Your primary layer of protection:
- General Liability (GL) covers customer slip-and-fall claims, property damage, and accidents tied to your cleaning work.
- Inland Marine / Tools & Equipment covers portable vacuums, scrubbers, and cleaning gear that travels with your crew.
- Janitorial Bonds protect against employee theft claims, often required by commercial clients.
Do I need Workers’ Comp?
- If you have employees (even part-time), most states require it.
- It covers medical bills and lost wages if someone gets hurt on the job.
- Even if you’re solo, some building contracts may still require a certificate of coverage.
Owner inclusion vs. exclusion
- Include owners you’re protected if you’re injured on the job.
- Exclude owners lowers premium but leaves you uncovered.
- Many larger facility contracts force inclusion for proof of full coverage.
Quick safety wins (that also help your rate)
- Post “wet floor” signs every time
- Train staff on proper use of chemicals and PPE
- Maintain MSDS sheets for all cleaning supplies
- Provide ergonomic tools (long-handle mops, lightweight vacuums) to reduce injuries
Common questions
Do all contracts require bonds?
Not all, but many commercial cleaning agreements do. It builds trust.
Do I need WC if I’m solo?
Maybe not by state law, but many property managers will require it in contracts.
Does GL cover stolen client property?
No. You’ll need a janitorial bond for employee theft claims.
Mr. Hoots’ Bottom Line
Janitorial pros keep the world clean, make sure your coverage does the same for your business. Contracts, audits, and claims don’t have to be messy if you’ve got the right policies in place.