Janitorial Business Insurance Coverage Checklist
The coverages a janitorial business business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for commercial janitorial and building-maintenance contractors. Priorities reflect typical exposure; confirm against sites serviced and after-hours access.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability | Covers injuries and damage at customer sites, including slips on freshly cleaned floors. | Core | |
| Janitorial Bond / Third-Party Crime | Covers theft by employees from customers — GL doesn't cover it. | Core | |
| Workers' Compensation | Required in most states; slips, lifting, and chemical exposure drive claims. | Core | |
| Employment Practices Liability (incl. Third-Party) | Covers harassment and wage claims in a large, dispersed workforce. | Prevalent | |
| Hired & Non-Owned Auto | Covers workers driving between sites. | Prevalent | |
| Pollution Liability | Needed for remediation, biohazard, or mold work — excluded from GL. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is theft and harassment exposure from a night-shift workforce. Janitors often work alone in customers' buildings after hours, and customers expect a janitorial bond that general liability doesn't replace. Harassment of night-shift cleaners has drawn EEOC action, and California requires janitorial employers to register and give recurring harassment training. Background checks, key logs, a way to report harassment outside the chain of command, and EPL coverage close most of the gap.
Send us the checklist and we'll review your janitorial business coverage line by line, then market it across multiple carriers that compete for your account.
Related: Janitorial Business Insurance · Janitorial Business Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a janitorial business business need?
The core coverages for a janitorial business business are Commercial General Liability, Janitorial Bond / Third-Party Crime, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my janitorial business coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.