House Cleaning & Janitorial · Florida
Florida Cleaning Business & Janitorial Liability Insurance
From broken lamps to missing items, cleaning company insurance covers your daily risks. We protect your crew and vans by comparing multiple A-rated Florida carriers.
What does cleaning business insurance cover in Florida?
Cleaning business insurance in Florida usually starts with general liability, which pays when your crew damages a client's property or someone slips on a floor you just mopped. Most cleaning companies add a janitorial bond for theft by an employee, commercial auto for the vans and workers comp once they have four employees (§ 440.02(20)(b)2., Florida Statutes). House cleaners and janitorial firms buy the same core pieces in different sizes. We compare cleaning business insurance across multiple A-rated carriers.
Four Parts of Janitorial and Cleaning Insurance
These four pieces protect a cleaning company in homes, offices and medical buildings. Most carriers package the first two together.
General liability
Pays for a client's broken lamp, a stained carpet or a visitor who slips on a wet floor, plus your legal defense. Property managers ask for it before the first shift.
Janitorial bond
Pays a client when one of your employees steals from the home or office you clean. It is the "bonded" in "bonded and insured."
Commercial auto
Covers the vans that carry crews and supplies between jobs. A personal policy can deny a claim on a van used for work, as our commercial auto insurance page explains.
Workers comp
Pays a cleaner's medical care and part of lost wages after a back strain, a fall from a step stool or a burn from a cleaning chemical.
How to Get Bonded and Insured for House Cleaning
Clients want to hear "bonded and insured" before they hand over a key. Four steps get a cleaning business there.
- Set up the business — Register the company and get the local business tax receipt your county or city issues. Carriers write the policy in the business's name, not yours.
- Buy general liability — Pick limits that match the work you want. Office buildings and property managers often ask for more than homeowners do.
- Add a janitorial bond — Choose a bond amount that fits the homes and offices you clean, and list the employees it covers.
- Keep proof ready to send — Have a certificate of insurance and proof of the bond on hand for every new client. Many commercial clients ask to be named on the policy.
Florida Cleaning Business Insurance Requirements
No Florida statute tells a cleaning company to carry general liability. The rules that do apply cover your workers and your vans, and your clients write the rest.
| Requirement | Where it comes from and what it means |
|---|---|
| Workers comp once you have four or more employees (§ 440.02(20)(b)2., Florida Statutes) | Florida law. Cleaners, supervisors and office staff all count, part-time workers included. |
| $10,000 of personal injury protection and $10,000 of property damage liability on every registered vehicle (§ 627.736(1); § 324.022(1), Florida Statutes) | Florida law. These are minimums, and a crew van usually needs far more liability than that. |
| A certificate of general liability that names the client | Property managers, offices and contracts. Ask for the required limits before you bid. |
| A janitorial bond or crime coverage | Homeowners and offices that hand you keys. The amount is a business decision, not a state rule. |
Statutes set the floor for your workers and your vehicles; client contracts decide the rest of a cleaning company's coverage.
Have These Ready for a Cleaning Insurance Quote
- The services you sell: homes, offices, medical buildings, move-out cleans or floor care.
- Your yearly sales and your payroll.
- How many employees you have, and whether any work as 1099 contractors.
- Your vans, with their drivers and driving records.
- The limits your largest contracts ask for.
How do Miami cleaning companies line up bonded and insured quotes?
They hand the whole file to one independent agency, and American US Insurance takes it from Kendall for cleaning companies in Hialeah, Doral, Coral Gables and Homestead. For commercial cleaning insurance, underwriters ask whether your crews clean empty offices at night or occupied homes by day, since the theft risk differs. The liability, the bond and the auto come back in a single comparison. A house cleaning business and a commercial janitorial crew each see what their own contracts call for.
Additional Business Insurance Options
Cleaning Business Insurance Guides
Business Owners Policy vs. General Liability: Which Fits?
Business owners policy vs. general liability: a BOP adds property and business income coverage to liability. How to tell which your Florida business needs.
Read More →
Payment Bond vs. Performance Bond: How Each One Works
Payment bond vs. performance bond: one guarantees the job gets finished, the other that subs and suppliers get paid. When Florida public jobs need both.
Read More →Get Your Cleaning Business Insurance Quotes
Tell us what you clean, your crew size, and your contract requirements. We compare multiple A-rated carriers, laying the liability, bonds, and auto coverage side by side.
- No obligation, no pressure
- Renewal and claims help after you buy
- A licensed agent compares carriers
Request My Cleaning Business Insurance Quote
Common Questions