Wellkept Insurance writes coverage for janitorial companies across Illinois. If your crews work inside other people’s buildings — offices, medical suites, schools, industrial floors — this is the policy set building management will ask you to prove before the first shift.
What a janitorial policy covers
- $1M/$2M general liability — covers damage to the buildings you work in and injuries to people who aren’t on your payroll. A slip on a floor your crew just mopped lands here.
- Workers’ compensation — required by Illinois law for employees. Priced from payroll and class code.
- Janitorial bond — reimburses the client if an employee steals from a site. Standard in building-services contracts, and inexpensive relative to the contracts it unlocks.
- Commercial auto — if company vehicles move crews or equipment.
What it costs
Small janitorial companies in Illinois typically pay $500–$1,500 a year for general liability. A $10,000 janitorial bond usually costs around $100 a year. Workers’ comp scales with payroll. A quote takes about ten minutes and gives you exact numbers.
What building contracts require
Building management companies typically require the owner and manager named as additional insured, a waiver of subrogation, and a certificate of insurance on file before crew access is granted. Wellkept issues certificates the same day the contract asks.