Cleaning business insurance, plus the janitorial bonds your clients require.
GL, janitorial bonds, workers comp, and commercial auto for residential cleaners, commercial janitorial, and specialty cleaning crews. Lower broker commissions and 24-hour turnaround.
Why Delegance Brokerage
Achieve an average of 60% reduction in commission costs.
Most brokers bake 15–20% commission into your premium. We negotiate ours down and shop the risk across the carriers actually competing for your class. Identical coverage, lower spend.
Reduction in broker commissions vs traditional firms
Annual savings for our largest single client
From submission to quotes back, on most classes
How it works
Onboard in minutes. Quotes in 24 hours.
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Save up to 60% on broker commissions vs traditional brokerages.
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Janitorial bonds and liability insurance are different instruments, and commercial clients usually require both. We place both, so one contract requirement never stalls on two vendors.
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Damage-to-client-property claims are the heart of this class — we read the care, custody, and control wording before bind so the claim your crew actually files is covered.
Carriers we shop in Cleaning & Janitorial
Coverage
What we quote in Cleaning & Janitorial
General Liability
Damage to client property — scratched floors, broken fixtures, chemical damage to surfaces — plus premises injury.
Janitorial Bond
Third-party fidelity coverage for employee theft from client premises — the bond commercial contracts require.
Workers Compensation
Janitorial class codes priced on real payroll, with ex-mod review before quote.
Lost Key / Lock Replacement
Rekeying and lock replacement when a client key is lost — a small claim that ends client relationships when uncovered.
Commercial Auto
Crew vehicles and hired/non-owned coverage for employees driving between sites.
Crime / Employee Dishonesty
First-party theft coverage for your own funds and equipment, alongside the client-facing bond.
Frequently Asked
Cleaning & Janitorial insurance questions, answered.
What does cleaning business insurance typically cost?
Premium depends on payroll and crew count, residential vs. commercial mix, the type of work (general janitorial vs. post-construction vs. specialty floor care), fleet size, state, and loss history. A two-person residential operation prices very differently than a night-shift commercial janitorial company with keyholder access to office buildings. Final cost is subject to underwriting and policy terms.
What's a janitorial bond, and how is it different from insurance?
A janitorial bond is third-party fidelity coverage: it reimburses your client if one of your employees steals from their premises. Liability insurance covers accidents — damage your crew causes, injuries on the job. They respond to different events, and commercial cleaning contracts commonly require both. The bond is also a sales asset: "bonded and insured" is a real differentiator in this market, and we place both pieces together so the contract requirement is satisfied in one pass.
My client requires a COI and a bond — can you handle both?
Yes. Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone, and the janitorial bond is placed alongside the liability program. Custom holder language (additional insured, waiver of subrogation, primary and non-contributory) is typically produced within minutes after a licensed broker confirms the wording. There is no per-COI fee.
What if my crew damages a client's floors or equipment?
That is the core GL claim in this class — wrong chemical on a hardwood floor, a scratched conference table, a knocked-over server rack. General liability covers damage to third-party property, but the care, custody, and control wording matters: property you are directly working on can be treated differently than the surrounding premises, and forms vary on it. We read that wording before bind rather than letting the claim discover the gap.
What happens if my crew loses a client's keys?
Lost key / lock replacement coverage pays to rekey or replace locks — and in keyholder accounts like office buildings, that can mean every lock the key opened, which makes a small mistake an expensive one. It is usually an endorsement rather than automatic coverage, and limits vary by carrier. For night-shift commercial janitorial work with master-key access, we size it to the actual keyholder exposure.
What policies does a cleaning or janitorial business need?
A typical program includes General Liability, a janitorial bond for employee-dishonesty exposure at client sites, Workers Compensation, lost key coverage, Commercial Auto or hired/non-owned for crews driving between jobs, and umbrella limits when larger commercial contracts require them. Coverage is subject to underwriting.
How does Delegance reduce broker commissions?
Routine work — intake, COIs, endorsements, policy Q&A, renewal triage — runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical commercial brokerage. That is an average, not a guarantee.
See what your number looks like.
Send your current declarations page or answer a few questions. We'll have quotes from the carriers competing for your class within 24 hours.
No call required. A licensed broker reads every submission.
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