Texas Janitorial Contractor Insurance Requirements

Janitorial contractors in Texas work across commercial office cleaning, floor care, and post-construction cleanup. Each line carries property-damage risk and chemical-exposure risk from cleaning agents. Insurance for janitorial contractors has to account for slip-and-fall and chemical-injury claims, theft of client property, and the contracts that gate commercial cleaning work.

General Liability for Janitorial Contractors

GL for janitorial contractors centers on property damage and slip-and-fall claims. A wet floor without proper signage, a damaged fixture, or a misapplied cleaning agent are common claims. Standard limits start at $1M per occurrence / $2M aggregate for commercial work. Verify your GL covers the janitorial class codes you perform and does not exclude chemical application or floor-care work.

Chemical Exposure and Floor-Care Coverage

Janitorial crews handle cleaning agents, strippers, and finishes that can cause chemical burns and respiratory exposure. Verify your GL covers chemical application and floor-care work. Some policies exclude chemical application entirely; a floor-care contractor needs that coverage. Misapplied stripper or finish is a frequent property-damage claim.

Workers' Comp for Janitorial Crews

Janitorial crews work with chemicals, on wet surfaces, and with equipment. Slip-and-fall, chemical exposure, and repetitive-strain injuries are top claims. Texas doesn't require workers' comp for private employers, but commercial clients and property managers almost always require it before awarding cleaning contracts. Without workers' comp, a single chemical or slip injury is an uninsured event against the owner personally.

Tools & Equipment (Inland Marine)

Janitorial equipment — floor scrubbers, buffers, vacuums, and extractors — is expensive and frequently moved between buildings and vehicles. Inland marine coverage protects against theft and damage. Verify coverage extends to equipment in transit and on site, and that per-item limits cover your most expensive scrubbers and buffers.

Commercial Auto and Non-Owned Auto

Janitorial crews often drive personal vehicles between buildings. A non-owned auto exposure is the signature janitorial auto risk — an employee driving to a job site is a business exposure. Carry commercial auto with hired and non-owned coverage, because personal auto policies exclude business use. A loaded van accident can exceed Texas minimum auto limits of $30K/$60K/$25K.

What Commercial Clients Require

• General Liability with $1M/$2M minimum
• Workers' Compensation with employer liability
• Additional Insured endorsement on the policy
• Waiver of subrogation in favor of the property owner
• Primary and non-contributory wording
• Certificate of Insurance before contract activation