Janitorial & Custodial Insurance in Minnesota

Janitorial companies, custodial services, and commercial cleaning businesses can face insurance concerns involving customer property damage, slips, cleaning chemicals, employee injuries, theft allegations, and vehicles. Understanding those exposures makes it easier to compare policies on more than price alone.

Insurance options can vary considerably between companies. Maverick Risk Partners can help clients in Minnesota compare available policies and review important differences in coverage, limits, deductibles, eligibility, and exclusions.

Why Is Janitorial & Custodial Insurance Important?

Janitorial crews often work after hours in offices, schools, medical facilities, and other buildings filled with property belonging to clients. Cleaning chemicals, wet floors, expensive equipment, keys, and employee access all create insurance considerations.

The goal is not simply to purchase a policy with the lowest premium. It is to understand the exposures involved and select insurance that fits the individual, property, vehicle, or business as closely as possible.

Janitorial & Custodial Insurance Coverage Options

The appropriate coverage depends on the specific situation. Options may include some of the following protections.

General Liability Insurance

General liability may help with covered bodily injury and property damage claims arising from cleaning operations.

Workers’ Compensation Insurance

Workers’ compensation may help with eligible work-related injuries involving lifting, slips, repetitive tasks, or chemical exposure.

Janitorial Bond or Fidelity Coverage

Fidelity or janitorial bond coverage may provide protection for certain employee dishonesty or theft losses, depending on the form.

Commercial Auto Insurance

Business-owned vehicles used to move crews and supplies generally require commercial auto insurance.

Equipment Coverage

Portable cleaning machines and other equipment may be insured through property or inland marine coverage.

Janitorial & Custodial Insurance FAQs

Does janitorial insurance cover damage to a customer’s property?

General liability may help with certain covered accidental property damage, although property in the business’s care and workmanship exclusions should be reviewed.

What is a janitorial bond?

A janitorial or fidelity bond can provide protection against certain employee theft allegations, subject to the bond’s terms and limits.

Do janitorial companies need workers’ compensation?

Businesses with employees may be required to carry workers’ compensation. Cleaning work can involve lifting, slips, chemicals, repetitive motion, and other injury exposures.

Are cleaning chemicals covered under general liability insurance?

Chemical-related claims may be subject to pollution exclusions. Businesses using stronger chemicals should review whether specialized pollution coverage is appropriate.