The Janitorial Bond Your Biggest Client Will Ask For (and Why It Isn't Insurance)
Property managers require a janitorial bond because your people are alone in their building at night. But a bond protects the client, not you — and the surety can send you the bill. Here's what it covers, what it doesn't, and what to buy alongside it.
Care, Custody, and Control: The Exclusion That Turns a Scratched Floor Into an Uncovered Claim
A buffer gouges a terrazzo lobby. A stripper ruins a sealed floor. A crew knocks over a server rack. These are the claims cleaning companies actually have — and standard general liability excludes every one of them. Here's why, and how to fix it.
Your Crew Drives Their Own Cars Between Buildings. That's Your Auto Claim.
Most cleaning companies don't own a fleet — crews drive their own cars from site to site with your supplies in the trunk. When one of them causes an accident, the client sues you, and the employee's personal policy may walk away. Hired and non-owned auto is the fix almost every janitorial quote leaves off.
Why Workers' Comp Rates Punish Cleaning Companies — and How the Experience Mod Fixes It
Janitorial class codes are rated for an entire industry — including the companies with no safety program and a claim every quarter. The experience mod is how a well-run cleaning company stops paying for them. Here's how the number is built, and the four things that move it.
The Contract Says $2 Million. Your Policy Says $1 Million. Now What?
Property managers, hospitals, and national accounts write insurance requirements into every cleaning contract — and most cleaning companies find out what they're missing after they've signed. A plain-English walk through the five clauses that matter, and why a certificate is not the same as coverage.