Customer property
An item you are cleaning may be treated differently from other property accidentally damaged on the job. Ask about that distinction.
BUSINESS INSURANCE / CLEANING & JANITORIAL BUSINESSES
Protect the business people trust inside their space.
You work around customers’ belongings, often when they are not there. Ironhill helps cleaning businesses review coverage for their services, crews, equipment, and client requirements.
THE WORK BEHIND THE BUSINESS
Insurance for cleaning & janitorial businesses.
Grounded in your day to day.
Home cleaning, office janitorial work, carpet care, and specialist cleaning can have different exposures. Describe the chemicals, methods, building types, and working heights involved.
Keys and access
Access to premises, allegations of theft, and lost keys raise questions beyond ordinary liability.
A team moving between sites
Employee duties, vehicles, and portable equipment should be considered together as your client list grows.
A PLAN WITH THE RIGHT PIECES
Coverage that deserves a closer look.
Start with the risks behind your work. We’ll help you explore available options, understand the differences in terms and choose the pieces that make sense for your business.
General Liability Insurance
Review third-party injury, property damage, and the activities described in your policy.
Explore this coverageWorkers’ Compensation Insurance
Review the work your team performs, payroll, and the locations where they work.
Explore this coverageCommercial Auto Insurance
Look at vehicles, drivers, and business use, including hired and non-owned auto questions.
Explore this coverageCommercial Property Insurance
Look at buildings, equipment, stock, valuation, and covered interruption needs.
Explore this coverageThese are starting points for a review, not a complete list or a promise of coverage. Policy terms, exclusions and insurer eligibility apply.
AS YOUR BUSINESS CHANGES
Look at what is in your care
Working after hours, holding keys and cleaning specialist surfaces can create responsibilities that a simple business description misses. Residential and commercial work may also have different contract requirements.
Tell us which properties you clean and how crews are organized. We’ll help you review customer-property questions, employee arrangements and the equipment that travels between jobs.
Talk through your next stepA QUOTE THAT STARTS WITH YOU
What goes into your insurance quote?
Two businesses in the same industry can need very different plans. Alongside your location, claims history, limits and deductibles, these details help shape the conversation.
- Client premises and cleaning services
- Payroll and subcontractor arrangements
- Key access and contract requirements
A LITTLE MORE CLARITY
Your questions.
A useful starting point.
Need to talk through something specific?
Ask Ironhill ↗Is a janitorial bond the same as liability insurance?
No. A bond and an insurance policy serve different purposes. Share the customer’s requirement so the correct product and terms can be reviewed.
What if I add mold cleanup or biohazard work?
Specialized work can fall outside standard eligibility or coverage. Discuss it before starting; separate expertise and coverage may be needed.
What affects the cost of insurance for cleaning & janitorial businesses?
Pricing depends on the work you do, where you operate, your claims history and the coverage you select. Details such as client premises and cleaning services, payroll and subcontractor arrangements, key access and contract requirements help an insurer assess your business. We’ll help you compare the available terms as well as the premium.
Can I request a quote before I have every document?
Yes. Start with your business activities and the information you have. We can help identify what else is needed to explore options. Submitting a request does not put insurance in force.
A CLEAR NEXT STEP
Start with a conversation.
Leave with a clearer picture.
- 01
Tell us about the business.
Share what you do, where you work, and what prompted you to look at insurance.
- 02
Work through the details.
We’ll help identify coverage questions, documents to gather, and options to explore.
- 03
Decide with the details in view.
Review the available terms, limits, and costs before choosing your next step.
YOUR NEXT STEP
Let’s put your business in the picture.
Starting out, approaching renewal, or taking on something new? Tell us where you are. We’ll help you work through what comes next.
Coverage options depend on your operations, location, and insurer eligibility. A request does not bind coverage.