Liability insurance for Cleaning Services
Janitorial bonds and the bonded-and-insured question.
Questions by coverage line
Commercial General Liability
All General Liability questions →- Do you need insurance for a cleaning business? Yes — not because a statute says so, but because commercial clients and property managers won't let you in the building without proof, and the two claims that define this industry land on uninsured owners personally: damage to a client's property and accusations of theft. General liability answers the first; a janitorial bond answers the second.
- Does contractor insurance cover subcontractors? Mostly no. A subcontractor is not an insured under the hiring contractor's general liability policy, and a 1099 worker is not covered by the hiring firm's insurance. Workers' comp is the trap: in Florida, if an uninsured sub's worker gets hurt, the law makes the contractor responsible for the benefits — the 1099 label doesn't change that.
Coverage mechanics for Cleaning Services
Policy mechanics, exclusions, certificates, and claims questions live on our sister publication: Cleaning Services on isthiscovered.org.