Businesses that clean building interiors and the interiors of transportation equipment (U.S. Census NAICS 561720), from a solo cleaner to a commercial janitorial company with keys to client buildings.
U.S. Census NAICS 561720: Janitorial Services
What can go wrong for janitorial and cleaning businesses?
- Damage to a client's property or floors while cleaning.
- A cleaner injured on the job.
- Theft or a lost key when staff have after-hours access to a client's premises.
What insurance does a janitorial or cleaning business need?
Cleaning businesses typically carry general liability, workers compensation once staffed, commercial auto, and a janitorial bond or commercial crime coverage, because staff often have unsupervised access to client property. Many commercial cleaning contracts require proof of both liability and a bond before you can start.
What does Georgia require?
Georgia requires workers compensation at three or more employees (Georgia State Board of Workers Compensation, O.C.G.A. Sec. 34-9-2(a)(2)).
Source: Georgia State Board of Workers Compensation (O.C.G.A. Sec. 34-9-2(a)(2)).
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