Cleaning Business Insurance Texas
Comprehensive coverage for janitorial services, commercial cleaning, and residential cleaning businesses across Texas
Protect Your Cleaning Business with Texas-Specific Coverage
Running a cleaning business in Texas requires specific insurance coverage to protect against unique risks. From workers' compensation requirements to janitorial bonds, we provide comprehensive protection tailored to cleaning service providers.
Essential Coverage for Cleaning Businesses:
- Workers' Compensation - Required for 1+ employees, $500K injury coverage minimum
- General Liability - $1M+ coverage for property damage and injury claims
- Janitorial Bond - $10K-$50K protection against theft of client property
- Commercial Auto - $30K/$60K/$25K minimum liability for work vehicles
- Business Property - $5K-$50K for stolen cleaning equipment
- Errors & Omissions - $250K-$1M for service failure claims
Why Choose Dhuka Insurance for Cleaning Coverage:
- Texas-specific policy requirements knowledge
- Bundle discounts up to 25% savings
- Fast certificate of insurance delivery
- Pay-as-you-go workers' comp options
- Safety credit programs available
- 24/7 claims support
Starting at $89/month
Comprehensive cleaning business protection
Complete Texas Cleaning Business Insurance Guide
1. Legally Required Coverage in Texas
a) Workers' Compensation Insurance
Required if: You have 1+ employees (non-owners)
Coverage minimum:
- $500,000 injury coverage
- No statutory minimum for employer liability (but $100K recommended)
Texas-specific rule: Employers may opt out of state system but must file DWC-7 form
Penalty: $25K/day for uninsured injury claims + personal liability
b) Commercial Auto Insurance
Required if: Using vehicles for work
Minimum liability:
- $30,000 bodily injury per person
- $60,000 per accident
- $25,000 property damage
2. Industry-Standard Coverage (Practically Required for Contracts)
| Policy Type | Recommended Coverage | Why Needed |
|---|---|---|
| General Liability | $1M per occurrence | Covers client property damage (e.g., broken heirlooms), slip-and-fall claims |
| Janitorial Bond | $10K–$50K | Essential for client trust. Covers theft of client property (cash/jewelry) |
| Business Property | $5K–$50K | Replaces stolen cleaning equipment from vehicles |
| Errors & Omissions | $250K–$1M | Protects against service failure claims (e.g., "unclean" COVID disinfection) |
3. Texas-Specific Considerations
a) High-Risk Exposures
Chemical damage claims
Floor wax ruining hardwood (require GL policy with "pollution rider")
Water damage
Overflowing mop buckets in high-rise offices (add $500K water backup coverage)
Theft liability
Common in Texas apartment complexes (verify bond covers master keys)
b) Contract Requirements
Most commercial clients require:
- Certificate of Insurance (COI) naming them as "additional insured"
- General liability: $2M aggregate
- Workers' comp: Waiver of subrogation
Example: Austin office buildings often demand $2M GL for cleaning contracts.
4. Cost-Saving Tips for Cleaning Businesses
Bundled policies (BOP)
Save 15–25% by combining GL + property + business interruption
Pay-as-you-go workers' comp
Premiums based on actual payroll (not estimates)
Safety credits
Install GPS in vehicles for 7% discount; chemical training certs for 5% off
5. Real Claim Scenarios in Texas
| Incident | Policy That Covered It |
|---|---|
| Employee stole $8K jewelry from Dallas mansion | $25K janitorial bond |
| Bleach ruined $15K Persian rug in Houston home | GL + pollution rider |
| Client slipped on wet floor ($120K medical) | General liability |
6. Critical Documentation
- Employee training records (reduces workers' comp premiums)
- MSDS sheets for all chemicals (required for pollution coverage)
- Client property checklists (prevents false theft claims)
Pro Tip: Use ACORD 25 certificates for instant proof of coverage when bidding on contracts. Renewals should be automated 45 days pre-expiration.
7. Penalties for Non-Compliance
- Operating without workers' comp: $5K–$25K fines + 5-year debarment from public contracts
- Lapsed GL policy: Voided contracts + liability for 100% of damages
- Unbonded theft claim: Criminal charges + permanent BBB blacklisting
Ready to Protect Your Cleaning Business?
Join hundreds of Texas cleaning companies who trust Dhuka Insurance with their coverage needs.