California · Janitorial & cleaning
Janitorial & cleaning insurance in California
General liability, a janitorial bond, workers’ comp, and crime coverage for the keys, client property, and after-hours access your contracts hinge on. We place California cleaning companies — including accounts handling cash, keys, and high-value sites.
Janitorial and cleaning businesses are service operations and don’t need a CSLB license, but most commercial clients require a janitorial bond and a certificate of insurance.
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Why Setpoint for Janitorial & cleaning?
We cover the keys, lock replacement, and client-property (care-custody-control) exposure that ordinary cleaning policies leave out.
Independent and specialty-focused — we shop the surplus lines markets retail agents can’t reach directly.
Crime and employee-dishonesty coverage written for staff working unsupervised after hours.
Common questions
Frequently asked questions
What insurance does a janitorial or cleaning business need in California?
A California cleaning company typically carries general liability, a janitorial (surety) bond, workers’ compensation, and crime/employee-dishonesty coverage. Because crews work in client buildings with keys and access, care-custody-control and lost-key coverage matter more than most owners expect.
What is a janitorial bond and why do clients require it?
A janitorial bond is a surety bond that reimburses a client if your employee is convicted of theft on their premises — it protects the client, not your business. Many commercial cleaning contracts require one alongside your liability certificate before you can start.
Does a cleaning business need workers’ comp in California?
If you have any employees, yes — workers’ compensation is mandatory in California. Slip-and-fall and repetitive-motion claims are common in cleaning work, so comp is a core line even for a small crew. (Cleaning is a service trade, so the CSLB contractor rules don’t apply.)
Are damaged or stolen client items covered?
Damage to property you’re cleaning is handled through care-custody-control wording, and theft by an employee through your janitorial bond or crime coverage — general liability alone usually excludes both. We make sure both gaps are closed for the kind of sites you service.
How much does janitorial insurance cost in California?
Cost is driven by payroll, the number of employees with site access, the value and sensitivity of the buildings you clean, whether you use chemicals or floor equipment, and your loss history. Medical and high-security accounts rate higher, so describing your client base accurately produces a fair quote.
Other trades we cover
See all industries we insure or the coverage we place.
Tell us about your operation
Send a few details about your business and where you are in your policy term. Non-renewed or post-claim? That's our specialty — it won't shock us.