Texas Janitorial & Commercial Cleaning Services Insurance
Underwriting brief for Texas janitorial services (3,799 active Texas establishments across 96 counties). We compare 30+ TDI-admitted and specialty commercial carriers for janitorial & cleaning with fast Certificate of Insurance (COI) turnaround.
Texas Janitorial & Cleaning Market Footprint
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Classification & Compliance Specs
- NAICS Code
- 561720 — Janitorial Services
- NCCI Workers' Comp Codes
- 9014 (Janitorial Services by Contractors), 9170 (Window Cleaning)
- ISO GL / Coverage Form
- 96816 (Janitorial Services), 99975 (Window Cleaning)
- Texas Regulator / Spec
- Texas Commercial Building COI Standards & Bonding
Texas Class-A office, medical, and banking facilities routinely require GL ($1M/$2M), Third-Party Fidelity/Dishonesty Bonds, and Lost-Key coverage.
Where Janitorial & Cleaning Cluster in Texas
- Harris: 595 firms (15.7% of TX) • 21,086 employees
- Dallas: 435 firms (11.5% of TX) • 12,261 employees
- Bexar: 302 firms (7.9% of TX) • 8,770 employees
Primary Loss Exposures
- Employee theft or unauthorized access claims while holding master keys/alarm codes after hours.
- Chemical etching on marble, terrazzo, or stainless steel during post-construction cleanup.
- Slip-and-fall bodily injury claims on freshly mopped commercial lobbies.
Key Endorsements We Verify
- Janitorial Services Bond (Third-Party Employee Dishonesty) covering theft of client property
- Lost Key / Re-Keying & Broadened Property Damage (Care, Custody & Control) endorsement
- Hired & Non-Owned Auto (HNOA) when cleaners drive personal cars between buildings
Janitorial & Cleaning Insurance FAQs
What is a Janitorial Bond and why do Texas office managers require it?
A Janitorial (Third-Party Fidelity) Bond protects your client if one of your employees steals money, electronics, or inventory while cleaning after hours.
Does General Liability cover scratching tempered glass during post-construction cleaning?
Standard GL often excludes damage to the specific surface you are cleaning unless you add a Care, Custody & Control / Voluntary Property Damage endorsement.
Do I need Commercial Auto if my cleaners drive their own cars to job sites?
You should add Hired & Non-Owned Auto (HNOA) to your GL/BOP to protect the business if a cleaner causes a wreck on the clock.
Are pressure washing and exterior window cleaning included in standard janitorial GL?
Not always—pressure washing and multi-story window cleaning must be explicitly listed on the policy declarations.