CLEANING COMPANY INSURANCE — OHIO
Cleaning company insurance in Ohio.
Protect your crews,
your clients, and your reputation.
Cleaning companies enter clients' homes and businesses every day. General liability, janitorial bonding, and workers compensation are the foundation of any professional cleaning operation. Myers Insurance Group has been insuring Ohio cleaning companies since 2008.
You're in clients' homes and businesses every day. That creates real exposure.
Cleaning companies operate in an environment that creates unique liability exposure — you have access to clients' most private spaces, their valuables, and their most sensitive belongings. A single accusation of theft, a broken item, or a slip-and-fall during a cleaning visit can generate a claim that threatens your entire business.
Bonding is often overlooked but critically important for cleaning companies. Many commercial clients and property managers require proof of bonding before they'll allow your crew access to their facility. A janitorial bond protects clients against theft by your employees — and protects your reputation when accusations arise.
Myers Insurance Group builds Ohio cleaning company policies that cover your liability, your bond requirements, your vehicles, and your crew — so you can focus on building your client base.
The coverage gaps that hurt Ohio cleaning companies
No janitorial bond. Most commercial clients require bonding as a condition of the contract. Without a bond, you're locked out of the commercial cleaning market — and personally liable for any employee theft accusations.
Personal auto used for business. Driving to client locations in a personal vehicle that isn't covered for business use. One accident on the way to a cleaning job and your personal policy denies the claim.
No workers comp. Chemical exposure, repetitive motion injuries, and slip-and-fall are constant risks for cleaning crews. Required in Ohio for employees — and one serious injury without it can end your business.
Insufficient property damage coverage. Breaking a client's valuable item during a cleaning visit is a GL claim. Make sure your limits are adequate for the value of properties you clean.
Cleaning company coverage in Ohio.
A complete Ohio cleaning company insurance program covers your liability, your bond, your vehicles, and your crew.
General Liability
Covers property damage and client injury claims during cleaning visits. Breaking a client's item, damaging a surface, or a client slipping on a wet floor — GL is your foundation.
Janitorial Bond
Protects clients against theft by your employees — required by most commercial contracts and many residential clients. A bond is what separates professional cleaning companies from unlicensed competitors.
Workers Compensation
Required in Ohio for employees. Chemical exposure, slip-and-fall, and repetitive motion injuries are the top risks for cleaning crews. Non-negotiable for any cleaning company with staff.
Commercial Auto
Covers vans and vehicles used to transport crews and supplies. Personal auto policies exclude business use — every trip to a client location needs commercial coverage.
Equipment & Supplies Coverage
Covers your cleaning equipment, vacuums, pressure washers, and supplies against theft and damage. Equipment theft from vehicles is one of the most common cleaning company losses.
Employee Dishonesty
Covers theft by employees beyond what your bond covers. Cleaning crews have access to client valuables — employee dishonesty coverage protects your business from internal theft claims.
Business Owner Policy (BOP)
Bundles GL and property into one cost-effective policy. A BOP is the right starting point for most cleaning companies — with bonding and workers comp added as essential additions.
Professional Liability
Covers claims of negligent cleaning — a missed hazard that caused injury, improper chemical use that damaged surfaces, or failure to meet contractual cleaning standards.
Commercial Umbrella
Adds excess liability protection above your primary coverages. As your cleaning company grows and you take on larger commercial contracts, umbrella coverage becomes increasingly important.
Cleaning company insurance in Ohio — what you need to know.
What is a janitorial bond and do I need one?
A janitorial bond is a type of surety bond that protects your clients against theft by your employees. If a client accuses one of your employees of stealing, the bond provides financial protection — and protects your business reputation. Most commercial cleaning contracts require proof of bonding, and many residential clients now request it as well. Without a bond, you're locked out of significant cleaning contracts in Ohio.
A client claims my crew broke their TV — am I covered?
This is a General Liability claim — specifically property damage to a client's belongings during your service. Your GL policy covers this up to your policy limits. Make sure your GL limits are adequate for the value of property in the homes and businesses you clean. Cleaning a high-end home with $50,000 in electronics and furniture on a low-limit policy leaves you exposed.
Do I need workers comp if my cleaners are independent contractors?
This is one of the most common and most costly mistakes in the cleaning industry. Many cleaning company owners classify workers as independent contractors to avoid workers comp — but Ohio's classification rules are strict. If the workers follow your schedule, use your equipment, and clean the clients you assign them, they are likely employees under Ohio law regardless of what your contract says. Misclassification can result in significant penalties and full personal liability for any injury.
A commercial client requires $1M in liability and wants to be named as additional insured — can you do that?
Yes. This is a standard request from commercial property managers, office buildings, and facility management companies. We build cleaning company policies with the liability limits needed for commercial contracts and the ability to add additional insureds as needed. We can provide certificates of insurance quickly so you never lose a contract over an insurance paperwork issue.