How Much Do Commercial Cleaners Need to be Insured For?

Service Master Clean Van

No one likes talking about worse case scenarios but it is those worst case scenarios that no one wants to talk about that you need to be prepared for. There are plenty f questions to ask when hiring a commercial cleaning service, such as background checks, products used, experience, equipment used and especially, liability coverage.

Contracting out your cleaning services makes a great deal of sense both from the practical professional level of experience in doing the work but also the savings in your cleaning budget. However, there are a few questions your need to ask in order to be protected from liability, should a worse case scenario happen. Does your commercial cleaning service have workers compensation, general liability, theft liability while on property and umbrella liability to cover everything else.

Per North Carolina state guidelines, a janitorial/cleaning vendor should have the following coverage at minimum:

General Liability

$1,000,000 per occurrence/$2,000,000 aggregate for Bodily Injury and Property Damage

Workers’ Compensation

$500,000 Each Accident/$500,000 Each Employee/$500,000 Policy Limit

Excess/Umbrella Liability

$1,000,000 per occurrence/$1,000,000 aggregate

Theft of Client Property

-Limit will vary based upon what items could potentially be stolen from the client’s location-

The limit for Service Master is $25,000. This is pretty standard, but a client with higher value items may want to see a higher limit.


That’s a lot of money, but you want to make sure that should something happen, such as a snagged carpet thread get caught in the vacuum causing someone to trip or worse, that all bases are covered. A little due diligence on your part will go a long way.

A TRUE professional cleaning service will always be properly covered and have additional coverage to ensure the safety and best interest of all parties involved in worst case scenario events. Ask about insurance, ask about liability and ask what happens in worst-case scenarios. When it comes to your business, there is no such thing as a dumb question or too many questions. Call us today to get a free estimate and all your questions answered!

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