Janitorial Service Bonds

Janitorial service bonds are voluntary bonds that protect the customers of janitorial companies from theft by employees of the janitorial company. Janitorial service bonds are not required by law but many larger commercial clients require a cleaning company to be bonded in order to be considered for their contracts. Additionally, a janitorial service bond can also serve as a market tooling and means of differentiation for a cleaning business. Customers are more likely to hire a cleaning company that they know have a financial guarantee against theft. 

Example janitor

How much does it cost?

The cost of a janitorial service bond depends on the number of janitorial employees and the amount of coverage needed. We list our prices below for different bond limits, for companies with up to 25 employees. The appropriate bond limit to choose is entirely up to you. The bond limit is the maximum amount that could be paid out to your clients in the event of theft. You should ideally choose an amount that would be desirable to your clients with considerations for the places that you are cleaning. Generally speaking, if the more sensitive or valuable items your clients have on premise, the higher your bond amount should be. For example, a bank would likely expect a higher bond limit than that of a residential unit.

Bond Limit 1-Year Bond Cost
$5,000 $100 - 212
$10,000 $126 - 290
$15,000 $147 - 334
$20,000 $167 - 377
$25,000 $187 - 421
$30,000 $201 - 449
$40,000 $229 - 505
$50,000 $257 - 561
$70,000 $320 - 670
$100,000 $359 - 733



Common Janitorial Service Bond FAQs

What kind of businesses usually buy janitorial service bonds? 

In our experience, companies that purchase janitorial service bonds are divided into residential and commercial cleaning services, with most of our customers being commercial. Within those categories, we see the following types of cleaning services: 

  • Window cleaning services
  • Housekeeping services
  • Pressure washing services
  • Green cleaning services
  • Carpet cleaning services
  • Laundry and dry cleaning services
  • Medical cleaning services
  • Steam cleaning services
  • .. more that we’ve probably not listed

Generally speaking, a janitorial service bond is appropriate for any cleaning service where theft can occur.

What is the difference between a janitorial service bond and liability insurance? 

A janitorial service bond protects the customers of janitorial service companies from financial loss in the event that theft or accidents occur during cleaning. If a client's property is damaged or stolen, the bond will reimburse the client for the cost of the damage or loss.

Liability insurance, on the other hand, protects a janitorial service business from financial loss in the event that it is sued for causing harm to a person or their property. This type of insurance covers the cost of legal defense as well as any damages that are awarded in a lawsuit. Liability insurance can protect a business from a variety of claims, including slip-and-fall accidents, property damage, and injuries caused by products or services.

The main difference here is who is protected. A janitorial service bond financially protects customers of the janitorial service company, whereas liability insurance protects the janitorial service company itself from financial loss caused by lawsuits and liability.

Janitorial service bonds vs. business service bonds, what’s the difference? 

Janitorial service bond is essentially a business service bond. “Janitorial service bond” is just a term that’s used more commonly in the cleaning industry. 

How can a janitorial service bond benefit my business? 

In our experience, a janitorial service bond can be beneficial to a cleaning business in numerous ways. 

Win bigger jobs: Most cleaning jobs that require bidding have some sort of bonding requirement. Being bonded opens up your business to these opportunities. 

Making amends with clients: If one of your team members acts dishonestly while cleaning, a client will likely consider taking their business elsewhere. However, if you have a bond that can cover the client’s losses, there’s a better chance of making amends with the client and retaining them even after a mishap. 

Reduce claims on your liability insurance: Janitorial bond premiums and claims are tracked separately from your general liability insurance, therefore making a claim on the bond will not raise your liability insurance premiums. If a theft occurs, the bond will be responsible for reimbursing the client, reducing the likelihood of lawsuits and claims on your liability insurance. While your bond premium may increase slightly, it is still better than making an insurance claim in most cases since bonds are not expensive to begin with.

What is covered with a janitorial service bond?

With a janitorial service bond, a surety company covers any cash or physical possession that is stolen from a client’s residence or business, up to the full bond amount. 

Generally speaking, there are a few things that are not covered by the bond:

  • Intellectual property
  • Items stolen by independent contractors, non-employees or third party vendors
  • Legal fees 
  • Thefts that occurred prior to the bond start date
  • An employee of a janitorial service company stealing from the employer. Only thefts against clients are protected

How does the claim process for janitorial service bonds work? 

Claims work similarly to general insurance claims, in that they go through the surety company providing the bond. The surety company will request information from the client making the claim and investigate to ensure that the claim was valid. If the claim was valid, then the surety company will pay the client back for their loss, up to the bond amount. One helpful feature of janitorial service bonds is that they typically carry a “conviction clause”. This means that the surety company only pays out proceeds of a claim if the accused cleaner has formally been convicted by a court of law. This is typically helpful to janitorial service companies because it requires clients to provide proper evidence of the crime and limits fraudulent claims against the bond. 

How do I update or change information on my bond? 

If you’ve bonded with us and need to update your bond information, just give us a call and we’ll take care of it. Typically, we get change requests for business name, company size and bond amount.