Professional commercial cleaning service

PristinePro — Powered by Pembroke Insurance

Commercial cleaning and janitorial insurance built for San Diego operators

Coverage that addresses the real exposures of the cleaning trade — employee dishonesty at client sites, slip-and-fall liability, workers injuries, and the bonding requirements that commercial contracts demand.

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Carrier Access

Bonded

Janitorial Bond

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Is This You?

Cleaning operations we cover we serve.

Commercial office cleaning companies

Medical and healthcare facility cleaners

Post-construction cleaning services

Residential cleaning companies and maids

Industrial and warehouse cleaning

Carpet and floor cleaning specialists

Window cleaning companies

Multi-crew janitorial contractors

Coverage

What PristinePro covers.

Purpose-built coverage for janitorial & commercial cleaning risk — not a generic policy with your industry type as a footnote.

General Liability

Covers bodily injury and property damage arising from cleaning operations — wet floor slip-and-falls, accidental property damage during cleaning, and third-party injury claims at client sites.

Commercial Crime / Employee Dishonesty

The most distinctive exposure in this trade. Cleaning crews have unsupervised access to client facilities — theft by employees at client sites is the most frequent cause of policy cancellation and client disputes. This coverage protects you when an employee steals.

Workers Compensation

Cleaning crews face consistent injury exposure — slips, chemical exposure, repetitive motion injuries, and falls from ladders. California WC is required for all cleaning employees, including part-time and night-shift staff.

Commercial Auto

Company vehicles transporting crews, equipment, and supplies need commercial auto coverage. Employees using personal vehicles for work purposes create hired/non-owned auto exposure.

Janitorial / Surety Bond

Many commercial cleaning contracts require a surety bond as a condition of engagement — not an insurance policy, but a guarantee that the contractor will perform the work and compensate for losses. PristinePro advisors can place both the bond and the insurance package.

Products Liability

Chemical products used in cleaning operations create product liability exposure if a cleaning product damages property or injures someone. Products liability is typically included in GL but worth confirming for specialty cleaning services.

Real Risk. Real Examples.

Situations your policy needs to be ready for.

An employee is found to have stolen a laptop from a client's office during a late-night cleaning shift.

Employee dishonesty / commercial crime coverage is what responds — and it is the coverage that distinguishes a serious janitorial insurer from a basic GL policy. Without it, you pay the client's loss out of pocket and risk losing the contract.

A client's employee slips on a freshly mopped floor and suffers a broken hip. The client holds your company responsible.

General liability responds to the bodily injury claim. Wet floor slip-and-falls are one of the most frequent GL claims in the cleaning industry. Proper wet floor signage documentation helps in defense — but coverage is what pays.

A cleaning crew accidentally uses the wrong chemical on a specialty floor surface, causing $12,000 in damage.

GL covers the property damage — but only if the policy doesn't have a care, custody, and control exclusion that may apply to property in your care. A PristinePro advisor structures GL to confirm this exposure is covered before an incident occurs.

Regulatory & Contractual Requirements

What your contracts, licensing body, and partners actually require.

Commercial Cleaning Contracts

Most commercial property managers and facility operators require proof of GL, employee dishonesty coverage, and a janitorial bond before awarding a cleaning contract. The specific limits are in the contract — bring it to your advisor call.

Medical & Healthcare Facilities

Healthcare facility cleaning contracts typically require higher GL limits, HIPAA-compliant practices, and often specific coverage endorsements. Medical facility cleaning is a specialized class that not all GL carriers write without restriction.

Government and Institutional Contracts

City, county, and school district cleaning contracts often require specific minimum limits, additional insured status, and performance bonds. PristinePro advisors are familiar with public agency contract requirements in San Diego County.

What We Can't Place

Operations outside PristinePro's current market.

Being specific about what we cannot do is part of being useful.

Hazardous waste or biohazard remediation companies

Hazmat and biohazard cleanup requires a specialized pollution and environmental market.

Companies with multiple employee theft claims in the last 3 years

Prior crime claims significantly affect carrier eligibility for employee dishonesty coverage.

Operations with unlicensed workers or misclassified independent contractors

AB 5 classification issues create significant WC exposure. Discuss your staffing model with an advisor.

Mold remediation and water damage restoration

Remediation services require a pollution-endorsed market — separate from standard commercial cleaning.

Talk to an Advisor

A licensed specialist, not a call center.

Pembroke Insurance is a licensed California commercial insurance broker. When you call or submit a form, you reach a licensed advisor who works in your industry — not a generalist or a voicemail box.

(760) 487-8268 info@pembrokeinsure.com

Pembroke Insurance · CA Broker License #20790267 · 7040 Avenida Encinas, Ste 104-2, Carlsbad, CA 92011

How It Works

From application to bound coverage.

Tell us about your business

A short application built around your industry — not a generic form. We ask the right questions for your specific risk profile.

We go to market

We submit to carriers that specialize in janitorial & commercial cleaning — not general commercial markets that price your class code with no understanding of the business.

Review with an advisor

We walk you through options side by side — in plain English, not insurance jargon — and confirm your coverage meets what your contracts actually require.

Bind and get your certificates

Same-day binding when you are ready. All COIs and additional insured endorsements issued immediately — no waiting.

Frequently Asked Questions

Janitorial & Commercial Cleaning insurance questions, answered plainly.

What insurance does a janitorial company need in California?

A California janitorial company typically needs general liability, employee dishonesty/commercial crime coverage, workers compensation for all cleaning employees, and commercial auto if the company operates vehicles. Many commercial contracts also require a janitorial surety bond. A PristinePro advisor will confirm what your specific contracts require.

What is a janitorial bond and is it the same as insurance?

No — a janitorial bond is a type of surety bond, not an insurance policy. It is a guarantee that your company will perform the contracted work and compensate clients for losses caused by your employees. Insurance covers your liability; a bond guarantees your performance and honesty. Many commercial cleaning contracts require both. PristinePro can place both for you.

Does our GL policy cover an employee who steals from a client?

No — general liability explicitly excludes intentional criminal acts by employees. Employee dishonesty coverage (also called commercial crime) is a separate policy or endorsement that specifically covers theft by your employees at client sites. This is the most important coverage distinction in the cleaning industry. Do not operate without it.

Are independent contractor cleaners covered under our policy?

Under California AB 5, most cleaning workers who are not clearly operating an independent business are legally classified as employees — which means your workers comp and employer liability obligations apply to them. Misclassifying employees as contractors is a significant legal and insurance risk. A PristinePro advisor will discuss your staffing model and structure coverage appropriately.

How much does janitorial insurance cost in California?

Premiums depend on revenue, number of employees, types of facilities cleaned (medical vs. office vs. residential), and claims history. A small cleaning company with 5–10 employees doing commercial office cleaning might pay $3,000–$6,000 annually for GL and crime coverage. Larger operations or those cleaning medical facilities will pay more. Use Pembroke EstimateIQ for a directional estimate.

We clean medical offices — do we need special coverage?

Medical facility cleaning creates additional exposure around HIPAA compliance and access to protected health information. Some GL carriers require a specific endorsement or apply restrictions for healthcare facility cleaning. Discuss your medical cleaning work with a PristinePro advisor to confirm your GL is structured correctly.

Ready to get your PristinePro quote?

A licensed advisor who understands your industry. Real carrier options. Same-day certificates.