Cleaning business insurance
Cleaning business insurance is the package residential and commercial cleaners carry so they can work in other people’s spaces: general liability for client injury and property damage, workers’ compensation for employees, commercial auto for crews between jobs, and coverage for equipment that leaves the shop. Many property managers also want a janitorial bond. It is not a homeowners policy, and it is not a wrap-up.
Request a quote
A licensed agent reviews your request. Certificates are issued after a policy is bound.
What cleaning firms typically carry
Kavana Insurance Inc. helps California and Texas cleaning and janitorial operations compare that package.
General liability
Third-party injury and property damage while the crew is on site — a client trip, a knocked-over item, a damaged floor, a water leak from the work. Landlords and commercial clients usually want this on the certificate.
Workers’ compensation
Medical care and wage replacement for covered employee injuries — slips, strains, chemical exposure. California employers with employees generally must carry it; Texas is elective, but commercial accounts still often require it by contract.
Commercial auto
Crew vans and trucks moving people, equipment, and supplies between jobs. A personal auto policy typically excludes that use.
Equipment and a janitorial bond
Machines and supplies damaged or stolen on a job are not a GL claim. Ask for inland marine or business personal property. Commercial clients often also require a janitorial (surety) bond; a bond is not a substitute for insurance.
What we need for a quote
Residential, commercial, or mixed work — and any specialty (medical offices, post-construction, industrial). Employee count, payroll, and subcontractor use.
Vehicles, equipment values, and any client insurance or bond requirements. Where you work (California, Texas, or both) and claims history.
Solo housecleaners and larger janitorial crews use the same building blocks, scaled to payroll, locations, and whether the work is residential, commercial, or both.
GENERAL GUIDANCE ONLY. THE POLICY FORM, ENDORSEMENTS, AND CARRIER DECIDE WHAT IS COVERED ON YOUR ACCOUNT.
Other lines this job usually needs
Three steps, no instant-bind theater
Tell us the job
Operations, payroll, vehicles, contracts, or project value — whatever applies.
Review the structure
Limits, deductibles, exclusions, and what sits outside the policy.
Bind and issue
Choose coverage. Get policy documents and COIs once the carrier binds.