Cleaning Business Insurance and Bonding
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Janitorial bonds for cleaning businesses

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Surety bonds

Surety bonds act as a contract between a business, a client, and an insurance company. They guarantee the insurer will reimburse the client if the business fails to deliver contracted services.

Janitorial / surety bonds protect your clients

Your employees likely have access to private homes and offices – often unsupervised. However much you trust them, that leaves ample opportunity for theft.

A janitorial bond is a type of surety bond that reimburses your clients for employee theft. Unlike insurance, your bond carrier (surety) will expect reimbursement when it pays for a claim. Your clients might request that your residential cleaning or janitorial company secure this coverage.

This cleaning service bond provides coverage related to:

  • Employee theft of money or property
  • Client contracts
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What protection can janitorial bonds provide for cleaning businesses?

Employee theft of money or property

A janitorial bond is a business service bond that protects customers from theft by a dishonest employee. It covers losses if an employee steals items or money from a client while cleaning a home or business.

This type of commercial crime insurance doesn’t cover damage to a client’s property, only theft. It directly reimburses a client for the loss.

Client contracts

You are not required to carry cleaning business bonding insurance. However, many private clients and business owners, such as Airbnb hosts, will only hire cleaning companies that are bonded and insured.

A janitorial bond assures your customers that if their property goes missing, the bond will cover the loss. It helps establish credibility and gives you an edge over companies that are not bonded.

How much do janitorial bonds for cleaning businesses cost?

Woman with clipboard calculating cost of insurance for her cleaning business.

Cleaning businesses pay a median cost of only $8 per month for janitorial bond.

Insurance costs for cleaning professionals are based on a few factors, including:

  • Services offered, such as maid services
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees

Other important policies for cleaning businesses

A janitorial service bond provides financial protection against employee theft, but your cleaning business faces many other risks. Cleaning professionals should also consider:

General liability insurance: This policy will help pay for expenses related to third-party accidents, such as someone slipping on a wet floor after you mop. Your clients may require this type of insurance in their contracts.

Workers’ compensation insurance: This policy is required in most states for cleaning businesses that have employees. If a pool cleaner hurts his back while loading equipment, or a house cleaner develops an illness due to prolonged exposure to cleaning chemicals, workers’ comp can pay for medical bills as well as partial lost wages.

Commercial auto insurance: Commercial auto insurance covers vehicles owned by your cleaning business. It can pay for injuries and property damage in an accident, plus damage to company vehicles caused by weather and vandalism.

Business owner's policy: A BOP is a cost-effective way for cleaning businesses to combine general liability insurance with commercial property insurance. Small, low-risk cleaning businesses are usually eligible.

Commercial umbrella insurance: Cleaning businesses can purchase umbrella insurance to increase the policy limits on their general liability, commercial auto, or employer's liability insurance.

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What to know about cleaning business licenses and bonds
Your cleaning business may need licenses, bonds, and commercial insurance to operate legally. While it might seem like a lot, these added forms of protection can provide peace of mind for your business and help you secure clients.

Get free quotes and buy online with Insureon

Janitorial bonds are generally very affordable. The cost depends primarily on the amount of coverage you decide to purchase.

Are you ready to protect your janitorial services business or other cleaning business? Complete Insureon’s easy online application today. Once you find a cleaning service bond or other policy that fits your needs, coverage can begin in less than 24 hours.

Updated: May 4, 2022
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