Wellkept Insurance writes coverage for commercial cleaning companies across Illinois — from a solo operator cleaning offices at night to multi-crew operations holding janitorial contracts in downtown towers.
What a commercial cleaning policy covers
Most cleaning contracts in Illinois ask for the same core coverage:
- $1M/$2M general liability — pays when you damage a client’s property or someone who isn’t your employee gets hurt because of your work. $1M per occurrence, $2M aggregate is the limit most property managers require.
- Workers’ compensation — required by Illinois law once you have employees, including part-time crew. Priced from your payroll.
- Commercial auto — for the vehicles that move crews and supplies between sites. Personal auto policies exclude business use.
- Janitorial bond — reimburses your client if an employee steals from a site. Many building contracts require one before keys are handed over.
What it costs
General liability for a small Illinois cleaning company typically runs $500–$1,500 a year, driven mostly by revenue and crew size. Workers’ comp is quoted from your payroll and class code. The fastest way to an exact number is a quote — it takes about ten minutes.
What contracts require
Commercial cleaning contracts usually ask for three things beyond the policy itself: the client named as additional insured, a waiver of subrogation, and a certificate of insurance delivered before your start date. Wellkept issues that certificate the day you’re asked for it.