Coverage cleaning businesses commonly carry
- Commercial general liability: damage to client property and injuries, for example a wet floor or a damaged surface
- Care, custody and control for client property you are working on, which basic liability may exclude
- Employee dishonesty or a fidelity bond: protection if an employee steals from a client, which many contracts require
- Lost key coverage for re-keying costs
- Equipment and supplies
- Commercial auto for vehicles used to get between jobs
Growing your cleaning business
Commercial cleaning contracts often require higher liability limits, additional insured wording and proof of WSIB status. Send me the requirements before you sign, and I’ll confirm your coverage can meet them.
Coverage descriptions are general. Your policy wording, limits and exclusions determine what is covered. Availability and premiums vary by insurer and by your circumstances.