- 625 S 4th St, Renton, WA 98057
- info@dokagency.com
- +1 425-242-5252
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Get the best coverage for your janitorial business
With access to over 100 top-rated insurance companies, weâre uniquely positioned to help janitorial professionals manage their biggest risksâwhether you run a solo cleaning operation, manage a janitorial crew, or service commercial properties. Our broad carrier network allows us to shop the market on your behalf, comparing prices and coverage options that protect your equipment, vehicles, property, and team.
Instead of offering one-size-fits-all insurance, we customize protection based on your jobsite exposure, hours of operation, client contracts, and the unique liabilities of the cleaning industryâso you get exactly what you need at the most competitive rate.
Call 425-242-5252
â Why Our Landscaping Clients Choose DOK Insurance:
âïļ Access to 100+ carriers (top-rated)
âïļ Specialized policies for landscapers & lawn care pros
âïļ Equipment, liability, and workers comp coverage options
âïļ Fast, affordable certificates for jobs & contracts
âïļ Licensed advisors who understand your industry
ð§đ The Coverages Every Janitorial Business Needs
Accidents happenâespecially when youâre handling cleaning chemicals, navigating wet floors, or entering client premises daily. These coverages are designed to protect the business youâve worked hard to build.
𧞠General Liability
Covers property damage or injuries caused during cleaning tasks, like slipping hazards or damaging customer property.
Coverage Tip: Most client contracts require proof of general liability before work begins.
ð Commercial Auto
Protects your vans and work vehicles used to carry teams, equipment, or supplies to job sites.
Includes liability and physical damageâespecially important if your team travels to multiple client locations.
𧰠Inland Marine / Equipment Coverage
Covers portable tools and machines like vacuums, carpet cleaners, and floor buffersâwhether at a job site or in your van.
Tip: Standard property insurance may not cover items once they leave your business location.
ð§ââïļ Workers’ Compensation
Covers medical expenses and lost wages if an employee is injured on the jobâslips, strains, or exposure to chemicals.
Required in most states if you have employeesâeven part-time or temporary staff.
ð Janitorial Bond
Covers dishonest acts or theft committed by your employees while working on a clientâs property.
This bond builds client trust and is often required in commercial cleaning contracts.
Tip: Many property managers and government contracts require a janitorial bond before awarding a cleaning contract.
𧞠Real-Life Claims Scenarios for Janitorial & Cleaning Businesses
1. Slip-and-Fall: The âWet Floorâ Trap
A commercial building hired a janitorial service to clean its lobby floors. Despite placing a standard âWet Floorâ sign, a tenant slipped, suffered a fractured wrist, and sued the cleaning company for medical costs and lost wages, totaling over $25,000. These accidents are deceptively common in the cleaning industryâeven a small oversight, like a misplaced vacuum cord or an ignored sign, can trigger significant injuries.
Will you be covered?
- Does your general liability policy include robust third-party bodily injury protection?
- Are minimum signage requirements clearly outlined in your contract and adhered to on every site?
- Do you keep incident logs and photos to support your defense?
2. The â$54 Million Pantsâ â Franchise Liability Wake-Up Call
Though not a janitorial company per se, the infamous Pearson v. Chung dry-cleaner lawsuit reminds us how a trivial customer conflict can explode into a horror show lawsuit. A customer claimed the cleaners lost his pants, sued for $54âŊmillion (!) based on âSatisfaction Guaranteedâ signage, and dragged the case through years of legal wranglingâeventually losing, but not before inflicting serious stress and legal expenses on the business.
Will you be covered?
- Do your contracts, service agreements, and signage include disclaimers to manage client expectations?
- Does your general liability (or even better, professional liability) policy cover claims rooted in allegations of negligence or breach of promise?
- Could a disgruntled client use your marketing materials against you in court?
ð Explore More Industries We Insure
Landscaping & Lawncare
Janitorial & Cleaning
Contractors & Trades
Industrial Contractors
Health and Fitness
Non-Profits
Camps and Campgrounds
Beauty Industries
Automotive
Sports
Restaurants & Hospitality
Dedicated Commercial Insurance Team
100% customer satisfaction guaranteed
Protect your wallet and your assets
Great Rates, Many Choices, Friendly Team
HOW DOK COMPARES TO OTHER AGENCIES
| ïŧŋFeature | DOK Insurance Agency | Other Agencies |
|---|---|---|
| Independent Agent | Yes | Often captive (only represent one carrier) |
| Licensed Business Insurance Experts | Yes | Varies by agency |
| Carrier Access | Access to top-rated national and specialty markets | Limited to one or few carriers |
| Ways to Contact | Phone, SMS, Email, Live Chat, In-Person, Online DOK Account | Phone or Email only |
| Online Quote Form | Yes â mobile-optimized and fast | Rarely available or outdated |
| Online Client Portal | Yes â 24/7 policy access and service requests | Rare or non-existent |
| Document Upload | Yes â secure upload through quote form | Often requires email or fax |
| Quote Turnaround Time | Same-day to 48 hours | Several days or longer |
| Coverage Expertise | Trucking, Non-Profits, Restaurants, Salons, Contractors | Generalized commercial service |
| Claims Assistance | Full-service claims support from start to resolution | Minimal support â refer to carrier |
| Extended Support Hours | Yes | ? |
| Community-Based | Locally trusted and actively involved | Often national or impersonal |
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Want to get started?
Use any of the options below to get in contact with us. Don’t have time to talk/chat? Fill out the quick Quote Application.
ð Optional Document Uploads for Faster Quotes
Current Insurance Declarations (Dec Pages)
Completed ACORD Applications
Loss Runs (Last 3â5 Years)
Vehicle Schedule (with VINs)
Property Details (roof age, occupancy, protective devices)
Certificate of Insurance (COI)
Business Overview or Description
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If you cannot finish the form, please include your email and/or phone number to allow us to follow up with you.
We've got answers
Frequently Asked Questions of Janitorial Businesses
1.Do I need insurance if I clean homes part-time?
Yes. Even part-time cleaning businesses are exposed to liability and should have basic general liability coverage at minimum.
2.Is theft by my employees covered?
Typically not under general liability. You'll need a janitorial bond or employee dishonesty coverage to protect against theft claims.
3.Are my tools and machines covered in my van?
Standard auto or property policies don't cover tools in transit. Inland marine insurance is the proper solution.
4.What if I get hurt on a job?
If youâre an employee or have staff, workersâ comp is essential. For sole proprietors, you may need occupational accident coverage.
5.Can I get insured if I was canceled before?
Yes. We work with markets that specialize in high-risk businesses or prior cancellations. We'll help you find new options.
6.How fast can I get proof of insurance?
Same-day in most cases. Once your policy is active, we can issue a certificate of insurance (COI) instantly.
7.Do I need coverage if I work alone?
Yes. Solo cleaners can still face lawsuits and equipment loss. General liability and tools coverage are essential even for solos.
8.Whatâs the average cost of janitorial insurance?
Small operations may pay $500â$1,200/year. Pricing depends on revenue, employee count, and coverage selected.
9.Does liability cover client property damage?
Yes. If you're accused of damaging furniture, flooring, or fixtures while cleaning, general liability helps cover repair or replacement.
10.Can you insure multi-location or mobile crews?
Absolutely. We insure single operators, growing teams, and multi-location janitorial companies with custom policies.