Cleaning companies operate in client spaces with direct access to property and valuables. They handle chemicals, operate equipment, and send employees into facilities without direct supervision. This combination of property access, physical work, and unsupervised employees creates a specific set of liability exposures that a standard commercial package doesn't always address completely.
Most commercial cleaning contracts require the service company to carry a janitorial service bond — also called a fidelity bond or dishonesty bond. This bond protects the client if a cleaning employee steals from their facility.
The bond is not the same as crime insurance — it's a surety bond that pays the client directly. Crime insurance (ACORD 45) pays the cleaning company for employee dishonesty losses against the company itself. Many cleaning companies need both: the bond to satisfy client contract requirements and crime coverage to protect their own business assets.
Does the company clean residential properties, commercial properties, or both?
What types of accounts does the company service? (Office buildings, healthcare facilities, schools, industrial, restaurants)
Does the company perform any specialty cleaning? (Hood cleaning, floor stripping/waxing, window washing at height, biohazard, crime scene)
How many employees, and are any subcontractors used?
Does the company conduct background checks on all employees before placing them in client facilities?
What chemicals and cleaning products are used? Any industrial or hazardous chemicals?
Does the company have keys or access codes to client facilities?
Are employees supervised when working in client facilities, or do they work independently?
Any prior claims? (Property damage to client premises, employee theft, bodily injury)
Does the company carry a janitorial bond, and what is the bond limit?
AgencyAssist collects GL, WC, auto, and equipment information through one client intake link — ACORD forms generated automatically.