Industries
Client insurance requirements for janitorial companies
Janitorial and cleaning companies work inside their clients' buildings, often after hours and with keys or badges. Facility owners and property managers want proof of insurance before they hand those over.
The requirements are in the service agreement or the vendor packet. Upload it to see every requirement and how your current policies compare.
Janitorial work is reviewed by an underwriter
Janitorial work is not one of the trades our application lists. An underwriter reviews it before any insurance carrier quotes. We tell you up front whether our carriers can quote that kind of work and how long it takes. If they cannot, we say so.
The checker needs no account. Upload a document, answer four short questions, and get a requirements checklist as a PDF, what is missing, and price ranges. The price ranges are estimates, not quotes.
We keep you compliant with every client that requires insurance.
We do it by reading each client's documents, comparing them with your policies, tracking what is due, reminding you before a review, and sending updated certificates.
Whether a client accepts you as a vendor depends on the coverage you buy and on the client's own review.
What clients usually ask for
Clients commonly ask janitorial companies for:
- General liability
- With limits set in the client's documents.
- Workers' compensation and employer's liability
- Usually asked of any vendor with employees.
- Commercial auto liability
- When you use vehicles for the work.
- A janitorial bond or employee theft coverage
- Many clients ask for one that applies to the client's property. The documents say which.
- Coverage for keys and property in your care
- Some clients ask for lost key coverage, or coverage for their property while you handle it.
- Additional insured and waiver wording
- The client named on your policies, with a waiver of subrogation.
- Umbrella or excess liability
- When the client wants higher limits.
These are common examples, not a list of what your client requires. Your client's own documents decide. Upload them and we list what they actually say.
How it works
Step 1
Upload what your client sent you
The master service agreement, vendor packet, supplier manual or insurance exhibit. Use the checker without an account, or add the client in your account to keep everything in one place.
Step 2
AI lists every requirement, with its page
You get each insurance requirement in the documents and the page it came from, so you can check it yourself. A licensed producer reviews the list.
Step 3
See what you meet and what is missing
Each requirement is compared with your current policies and marked met, not met or unclear. For each gap you see priced options to close it. The prices are estimates, and a licensed producer reviews them.
Step 4
Stay current with each client
What you save for a client sets what that client's certificate of insurance says. Updated certificates go out automatically when your policies renew, and you get a reminder before the client's annual re-approval.
What you get
Every requirement, with its page
A list of each insurance requirement in your client's documents and the page it came from.
Met, not met or unclear
Each requirement compared with the policies you have now.
Priced options for the gaps
What it may cost to close each gap. These are estimates, not quotes, and a licensed producer reviews them.
Certificates that follow the requirements
What you save for a client sets what that client's certificate of insurance says. A certificate only shows wording your policy has. Updated certificates go out automatically at renewal.
A compliance package in one click
Your certificate, endorsements, W-9, safety documents and EMR letter for a client, put together in one step.
Reminders and a checklist
A reminder before each client's annual re-approval, and a document checklist for each vendor platform. You update the platform status yourself. We do not log in to, read from, or submit to vendor platforms.
Common questions
Can you insure a janitorial company?
It depends on the work and the state. Janitorial work is reviewed by an underwriter. We tell you up front whether our carriers can quote that kind of work and how long it takes. We can only offer coverage from carriers we are appointed with in your state.
Is a janitorial bond the same as insurance?
No. A bond comes from a surety company and works differently from an insurance policy. Some clients ask for a bond, some ask for employee theft coverage, and some ask for both. Your client's documents say which. A licensed producer can explain the difference for your business.
My client is a property manager, not the building owner. Does that change anything?
It can. The agreement may ask you to name both the manager and the owner on your policies. The documents decide, so upload the agreement and any exhibit that comes with it.
Start with one document
Upload what your client sent you. The checker lists every insurance requirement it finds, with the page it came from, and shows what is missing.
AI reads the documents and a licensed producer reviews the results. Everything is marked pending review until then. Costs shown are estimates, not quotes. Coverage advice comes from a licensed producer, not from the AI.