Independent insurance agencyJanitorial and commercial cleaning general liability, explained for Alabama cleaning companies
Your clients trust you with their keys and their property. Show them you're insured. AIB is an independent agency, so we compare options instead of selling one company’s policy. AIB will confirm availability for your Alabama business at quote.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.
What general liability does for a cleaning company
General liability helps pay for claims that your business injured someone who isn't your employee or damaged someone else's property, including the cost of defending those claims. Most policies also include personal and advertising injury (such as libel or copyright claims from your advertising) and small medical-payment claims regardless of fault. For cleaning companies, typical claims are a customer or visitor slipping on a freshly mopped floor and damage to a client's property while cleaning. Theft by an employee at a client site is not a general liability claim; a janitorial bond or crime coverage handles that. Damage to property in your care may be limited, so ask about options. General liability does not cover injuries to your own employees (workers' compensation) or your vehicles (commercial auto).
Common claims for a cleaning company
Slips on wet floors
A client's employee or customer slips on a freshly mopped floor.
Damage to client property
A cleaning product stains carpet or etches stone, or a crew member knocks over equipment or decor.
Trips over equipment
Cords from a buffer or vacuum trip someone in a hallway or lobby.
Advertising injury
A flyer or website uses someone else's photo or makes a claim about a competitor.
What it usually doesn’t cover, and what to pair it with
| Gap | Coverage that fills it |
|---|---|
| Theft by an employee at a client's site | A janitorial bond or crime coverage |
| Your own crew getting hurt | Workers' compensation |
| Your floor machines and supplies | Inland marine or property coverage |
| Accidents driving between sites | Commercial auto |
Bonding. Many commercial clients ask for a janitorial bond. A bond or crime coverage responds to theft by an employee at a client's site; general liability does not.
Keys and property in your care. Damage to property in your care may be limited on some policies, and lost-key coverage varies. Ask us about options before you sign a cleaning contract.
Who writes janitorial and commercial cleaning general liability in Alabama?
These are markets AIB works with that write this class. Being listed doesn’t guarantee a quote; eligibility depends on your business, your services and underwriting. AIB will confirm availability for your Alabama business at quote.
Coterie
Insurance provider
Coverage is quoted and bound through Coterie.
For janitorial and cleaning companies:
- Janitorial services are one of the classes Coterie writes most often, along with other building services and carpet and upholstery cleaning, on a business owner's policy or general liability.
- Best fit is routine interior and exterior building cleaning.
- Certificates of insurance can be issued on demand once a policy is in force.
- Fast, digital quoting. Coterie says it offers instant quotes and policy issuance for eligible businesses.
- Certificates of insurance on demand once a policy is in force.
- Home-based and newer businesses may qualify.
Coterie is not the insurance company. Policies are issued by its rated partner insurers. Coterie does not offer workers' comp or commercial auto; AIB quotes those separately.
Plus more carriers and specialty markets
Through AIB’s 35+ carrier appointments
Beyond Coterie, AIB can shop additional small-business insurers and specialty markets for Alabama janitorial and cleaning companies. Which ones fit depends on your business, your history and each company’s current appetite, so availability is confirmed by AIB at quote.
- Standard carriers for established businesses
- Specialty markets for harder-to-place operations
- Workers’ comp, commercial auto, umbrella, and surety or contractor bonds through AIB
Click here to call or email sales@goaib.com. All quotes and service go through AIB.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.
Coverage janitorial and cleaning companies often add
- A janitorial bond or crime coverage for client theft claims
- Workers' comp for your crew (written by other insurers; never through Coterie)
- Commercial auto or hired and non-owned auto for driving between sites
- A BOP to bundle your equipment with liability
Start online in a couple of minutes, or click here to call.
An independent insurance agent compares the markets that fit your business.
Review the options. Nothing is bound until you approve.
Janitorial and commercial cleaning general liability in Alabama cities
General liability in Alabama’s largest cities
Janitorial and commercial cleaning general liability FAQ
Does general liability cover theft by one of my cleaners?
No. Theft by an employee is handled by a janitorial bond or crime coverage, not general liability. Many commercial clients ask for both.
Does general liability cover a slip on a floor we just mopped?
Injury to a client, their employee or a visitor from your work, like a slip on a wet floor, is the kind of claim general liability is built for.
What if we damage a client's floors or furniture?
Damage you cause to a client's property is generally a GL claim, but property in your care may be limited on some policies. We check how each option handles it.
Do office and property managers require cleaning companies to be insured?
Almost always. Expect to provide a certificate, often naming the client as an additional insured, and sometimes proof of a janitorial bond.
Which carriers write janitorial general liability in Alabama?
Janitorial and commercial cleaning companies can be quoted and bound through Coterie, plus additional carriers and specialty markets through AIB's 35+ carrier appointments. AIB will confirm availability for your Alabama business at quote.
Get a janitorial and commercial cleaning general liability quote
Tell us about your business and the services you offer. An independent insurance agent at AIB compares the markets that fit. Nothing is bound until you approve.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.
Prefer email? Write to sales@goaib.com for quotes, certificates and service.
Request a quote
Coverage is subject to underwriting review and approval. Availability varies by state, insurance provider and business type. The insurance providers named are markets AIB works with. Being listed does not guarantee a quote or coverage. Contact AIB for a quote.
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