Surety bonds • Fidelity bonds
Janitorial Bonds: What They Cover and Who Needs One
A janitorial bond, also called a janitorial service bond, protects your customers if one of your employees steals from them while on the job. It is a type of fidelity bond, not liability insurance. Many clients ask cleaning companies to show proof of bonding, and published prices start around $125 a year for $10,000 of coverage.
This guide explains what a janitorial bond covers, how claims work, who needs one, how much it costs, and what other coverage cleaning businesses usually carry. Blake Insurance Group is an independent agency, and a licensed agent can help you compare options.
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What a janitorial bond covers
According to SuretyBonds.com, a janitorial service bond covers losses from dishonest acts by your employees, such as theft, fraud, and forgery, while they work for your customers. It is a fidelity bond: it does not cover accidental damage, injuries, or contract disputes. For those, cleaning businesses rely on general liability insurance.
How janitorial bond claims work
If a customer suffers a covered loss, the surety investigates and pays valid claims up to the bond amount. Because it is a surety bond, your company must reimburse the surety for any claim paid. Read the bond’s claim conditions; some bonds require evidence that the loss was caused by an employee before paying. See what a fidelity bond is for more on how these bonds work.
Who needs a janitorial bond
- Commercial cleaning and janitorial companies
- House cleaning and maid services
- Carpet, window, and specialty cleaning companies
- Any service business whose employees work inside clients’ homes or offices
Janitorial bonds are usually optional by law, but customers, building managers, and contracts often require proof of bonding before you start.
How much a janitorial bond costs
| Coverage amount | Annual cost |
|---|---|
| $10,000 | $125 |
| $25,000 | $175 |
| $50,000 | $250 |
| $100,000 | $350 |
Prices published by SuretyBonds.com; costs rise for larger crews. See our fidelity bond cost guide for more on choosing a coverage amount.
Other coverage for cleaning businesses
- General liability for client injuries and accidental property damage.
- Workers’ compensation if you have employees.
- Commercial auto for vehicles used to reach job sites.
- Employee dishonesty or crime coverage to protect your own business from employee theft.
Janitorial bond FAQs
How much does a janitorial bond cost?
Published prices start around $125 a year for $10,000 of coverage and up to five employees, and about $350 for $100,000.
Is a janitorial bond the same as insurance?
No. It protects your customers from employee theft, and you must repay the surety for claims. General liability insurance protects your business from injury and damage claims.
Is a janitorial bond required by law?
Usually not, but many clients and contracts require one.
How much janitorial bond coverage do I need?
Many residential cleaners choose $10,000, while companies serving large offices, banks, or hospitals often choose $25,000 to $50,000. Check your contracts.
Related guides
- Fidelity bond cost
- What is a fidelity bond?
- General liability insurance
- Licensed, bonded, and insured
- Surety bonds
- Surety bond cost
- Surety bond cost calculator
- Buy a surety bond online
- Payment bonds
- ERISA bonds
- Arizona surety bonds
- Arizona mortgage broker bond
- Arizona collection agency bond
- Arizona TPT bond for contractors
- Performance bonds
- Court bonds
- Arizona probate bond
- Types of surety bonds
Important information
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, the surety, your credit, the bond type, and underwriting.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
Your next step
Tell us about your cleaning business, and a licensed agent will help you compare janitorial bond options, or start a bond quote online with our partner.
