Janitorial and cleaning contractors keep workplaces, condos, and public spaces safe and sanitary—but their work comes with unique liability risks. From slip-and-fall claims to property damage, even routine cleaning can lead to costly lawsuits without proper insurance.

Key Risks Janitorial Contractors Face

Cleaning operations often involve:

• Slip-and-fall injuries on wet floors
• Damage to client property or equipment
• Chemical exposure or misuse claims
• Theft or allegations of employee dishonesty
• Claims arising after hours or in restricted areas

Because janitorial work is public-facing, claims are frequent.

Essential Insurance Coverages

• Commercial General Liability (CGL) – Core protection for injury and property damage
• Janitorial Bond / Crime Coverage – Protects against theft and dishonesty
• Tools & Equipment Insurance – Covers vacuums, floor machines, and supplies
• Commercial Auto Insurance – For service vehicles
• WSIB / Workers’ Compensation – Mandatory employee protection
• Umbrella Liability – Added protection for high-traffic locations

Risk Management Tips

• Use proper signage for wet floors
• Train staff on chemical handling and safety
• Conduct background checks where appropriate
• Keep service logs and incident reports

Final Thought

Janitorial contractors may work behind the scenes—but their risks are very visible. The right Canadian insurance program helps keep your business clean, compliant, and protected. 🇨🇦

Brokers can contact Total Risk Managers to discuss a risk.

This article is general information for insurance brokers. It is not advice, and it is not a quote or an offer of coverage. Policy wording decides what is covered. Coverage is arranged through a licensed insurance broker.