Janitorial Bonds

A janitorial bond is your first defense against employee theft and dishonesty. Protect your cleaning business, clients, and reputation online in minutes.

What Is a Janitorial Bond?

A janitorial bond acts as a guarantee. It reassures your clients that they will be reimbursed for losses due to employee theft and reinforces their trust in your business.

A janitorial bond involves two key parties:

The principal: The cleaning business owner (you) is the person responsible for the actions of your employees
The surety: The bond company guarantees that your business will meet its obligations around employee honesty and integrity — if not, the bond will pay for the client’s loss.

A janitorial bond functions like an insurance policy with no deductible. If your client files a claim, the bond company covers the loss. But unlike an insurance claim, your business must then reimburse the bond company for the amount paid out.

How Does It Work?

If an employee is caught or accused of stealing from a client, your janitorial bond is here to make things right. Here’s what happens:

The theft is reported: Your client reports the theft to our bond partner.
You get notified: Our bond partner notifies you that your client has filed a claim against your company.
You respond and provide documentation: Submit all relevant documents, such as theft reports, photos, police reports, and client communications — anything that could be helpful to the situation.
The claim is assessed: The bond company reviews the claim and examines the provided evidence to determine its validity.
Your client is reimbursed: If the claim is valid, the bond company compensates the client for their loss.
You repay the bond company: Your business repays the bond company for the amount paid out.

What Does a Janitorial Service Bond Cover?

Even trusted employees can make costly errors. A janitorial bond ensures your client is safeguarded from losses due to theft or dishonest actions on the part of your employees and protects the reputation of your business.

If a cleaning employee pockets cash during a residential cleaning job

Our bond partner can compensate the client for their loss, protecting your client relationships.

If a worker steals expensive client equipment during an office cleaning service

Our bond partner can reimburse the client for the equipment, preventing damage to your business’s credibility.

If an employee takes a client’s watch during a service

Our bond partner can cover the stolen property, resolving the situation quickly so you can stay focused on your business.

Who Needs Janitorial Bond Insurance?

Insurance and bonding work together to protect your business from financial losses, reputation damage, and more. As you consider the need for bonding, see how it aligns with insurance for a variety of janitorial and cleaning businesses:

If your cleaning business fits in any of these categories, chances are you need to have a janitorial bond in place.

How Much Does a Janitorial Bond Cost?

Insurance Canopy offers janitorial bonds starting at $131 annually. When calculating the cost of your janitorial bond, these factors play a role:

Bond size: The more coverage you need, the more you’ll pay — a $10,000 bond will cost more than a $5,000 bond
Bond type: The type of bond and associated risk can impact your premium

Bond premiums range from 1–15% of the total bond amount. For example, a $10,000 bond could cost between $100 and $1,500 annually.

How To Apply for a Janitorial Surety Bond

Here’s how to get bonded with Insurance Canopy in just a few steps:

Choose the appropriate bond amount for your business
Pay for your bond through a secure and quick checkout
Instantly receive your bond confirmation

Questions About Janitorial Bonds

How is bonding different from insurance?

Insurance shields your business from risks like third-party injuries or accidental property damage, while bonding ensures your clients are reimbursed if an employee steals. For complete protection, get both!

What does it mean if a cleaning person is bonded?

When a cleaning person is bonded, it means they are covered by a janitorial bond that protects clients if there’s theft or dishonesty. If an employee steals, the bond guarantees compensation to the client, showing the business is trustworthy.

Why does a cleaning company need to be bonded?

A cleaning company needs to be bonded to assure clients they’re protected from employee dishonesty or theft. Being bonded also helps businesses attract more contracts by showing professionalism and reliability.

How much would a $5,000 bond cost?

The cost of a $5,000 janitorial bond starts at $131 per year with Insurance Canopy.

Does a janitorial bond cover property damage?

No, a janitorial bond does not cover damage to a client’s property caused by your employees. It primarily covers theft or dishonesty, such as employee theft of valuables or funds. For coverage for accidental property damage or other liabilities, get general liability insurance.