Insurance built for Pennsylvania janitorial & cleaning companies
General liability, janitorial bonds, lost key coverage, commercial auto, equipment, and workers’ comp for cleaning contractors — shopped across 10+ carriers by a local independent agent.
Coverage for janitorial & cleaning contractors
Vacuums, mops, floor machines, night keys, and crews all carry different risks. We build a package around how you actually clean.
General Liability
Third-party injury and property damage at client sites — wet floors, damaged finishes, a visitor who slips. Property managers almost always require it.
Janitorial / Fidelity Bond
Employee dishonesty coverage when a client alleges theft of money or property. A liability policy alone is not a bond — many contracts require both.
Lost Key Coverage
If keys in your care go missing, rekeying a whole building can be costly. This optional endorsement helps pay to rekey locks and replace cylinders — ask us to include it.
Commercial Auto / HNOA
Owned vans and trucks, plus hired & non-owned auto when employees run errands or drive personal vehicles for work.
Inland Marine (Equipment)
Floor machines, extractors, vacuums, and carts — covered at the shop, in the van, or on a job site when they’re stolen or damaged.
Umbrella
Extra liability limits above your GL, auto, and employer’s liability when a large commercial contract asks for higher numbers.
Care, Custody & Control
Helps with damage to a client’s property while it’s in your care — often a GL extension or buy-back when standard CCC exclusions apply.
Workers’ Compensation
Medical bills and lost wages for employees hurt on the job. Required in Pennsylvania for most businesses with employees — and often your biggest premium. See the section below.
Workers’ comp that won’t wipe out your margins
For cleaning companies with a larger crew, workers’ compensation is often the single biggest insurance expense. Getting the class codes, payroll, and carrier right matters.
- Right class codes for PA. Pennsylvania uses PCRB codes — typically 971 for commercial building / janitorial contractors and 882 for residential house cleaning. (NCCI 9014 / CA 9008 are not PA codes.)
- Accurate payroll. Overstated payroll inflates premium; understated payroll bites at audit. We help you report cleanly by operation.
- Experience mod & safety. A strong safety program and clean claims history can lower your mod — we review both when shopping markets.
- Pay-as-you-go options. Many carriers offer reporting/billing that tracks payroll through the year so you’re not fronting a huge deposit.
- 10+ carriers compared. As an independent agency we shop multiple workers’ comp markets for a competitive rate — especially important when you have lots of employees.
Shop the market with us
Looker, Wolfe & Gephart compares workers’ comp across our carrier panel so PA cleaning employers aren’t stuck with one company’s rate.
Call or text 717-657-9944 — or start the quote form below.
Why work with an independent agent — and why LWG
Looker Wolfe & Gephart has been helping Pennsylvania businesses since 1987.
- We shop 10+ carriers. As an independent agency we compare multiple markets, not just one company’s products.
- Pennsylvania only. We write exclusively in PA, so we know the state’s rules and cleaning markets.
- Local brick-and-mortar. Real people at 44 Oak Park Rd, Harrisburg — not an online lead-gen site that sells your info.
- Call or text anytime. Reach us at 717-657-9944, Monday–Friday 8–5. Same local team every time.
- Certificates fast. Need a COI for a property manager or GC? Text or email the request and we’ll turn it around.
- Annual reviews. As you add crews, vans, and accounts, we adjust coverage so you’re not caught short.
Janitorial & cleaning insurance FAQ
What is lost key coverage?
Lost key (or lock-and-key) coverage helps pay to rekey locks and replace cylinders when keys in your care are lost or stolen. Standard general liability often does not cover that rekey bill. It also usually does not cover theft that happens after a lost key is misused — that’s a different claim. Ask us to quote it as an optional enhancement.
Do I need a janitorial bond if I already have liability insurance?
Often yes. General liability does not cover employee theft of a client’s property. Property managers frequently require a janitorial / fidelity bond (or employee-dishonesty coverage) in addition to GL. Limits and who gets paid vary by form — we’ll match your contracts.
Do I need workers’ comp in Pennsylvania?
Generally yes if you have W-2 employees — even one part-time. Sole proprietors and some owners/officers may exclude themselves. Uninsured subcontractors can be treated as your employees at audit. Cleaning payroll in PA is typically classed under PCRB 971 (commercial) or 882 (residential house cleaning). Call us and we’ll walk through your situation and shop rates across 10+ carriers.
Employees use their own cars for work — am I covered?
Personal auto policies often limit or exclude business use. Hired & non-owned auto (HNOA) liability helps cover that exposure when staff drive personal or rented vehicles for the company. Owned vans and trucks need a commercial auto policy.
Are floor machines and vacuums covered on my liability policy?
No. Liability covers injury/damage you cause to others — not your own equipment. That’s what inland marine / equipment coverage is for, whether the gear is at the shop, in the van, or on a job.
What do I need to get a quote?
Gross receipts, payroll, employee counts, residential vs commercial mix, services you perform (including height, post-construction, medical/biohazard if any), vehicles, equipment values, key/bond needs, and loss history. The form below walks you through it — estimates are fine.
Get your janitorial & cleaning insurance quote
A few short steps. Don’t know an exact number? A good estimate is fine — we’ll confirm details with you.
Please Note: We offer insurance coverage in Pennsylvania only. The form below is for PA janitorial and cleaning contractors.