Insured & Bonded: Why It Matters for Commercial Cleaners
You've probably seen the words “insured and bonded” in commercial cleaning company profiles. It sounds reassuring, but many business owners don't know what it actually means — or why it matters when things go wrong.
What “Insured” Means
General liability insurance covers property damage caused by the cleaning crew (a broken window, a knocked-over monitor, chemical damage to a floor) and third-party injuries that occur as a result of their work. Workers' compensation insurance covers a cleaning employee's medical expenses and lost wages if they're injured in your building. Without it, you could be liable for those costs even though they aren't your employee. This is the coverage most often missing from under-priced cleaning companies.
What “Bonded” Means
A surety bond (also called a janitorial bond) is a form of financial protection against employee theft. If a cleaning employee steals from your premises and the cleaning company is bonded, you can file a claim to recover the loss.
How to Verify
Always ask for a certificate of insurance before signing any contract. It will list the insurer, policy types, and coverage. We carry general liability insurance and a commercial bond appropriate for our operations — see our insured and bonded page for the full explanation, and use the quote form to get started.