Cleaning Company Insurance Washington State

Coverage Overview

What's Typically Covered

• General Liability — property damage and third-party injury
• Janitorial Service Bond — employee theft protection for clients
• Workers Compensation — WA L&I state fund coverage
• Commercial Auto for cleaning vans and vehicles
• Tools and Equipment / Inland Marine
• Employee Dishonesty / Crime Coverage
• Pressure Washing Liability
• Key and Lock Coverage for commercial clients

Washington State Cleaning Company Insurance

Washington's cleaning industry is large and growing — Seattle's dense commercial real estate market, the tech sector's large campuses, and the Boeing supply chain all generate significant commercial cleaning demand. Residential cleaning services are also active throughout the greater Seattle, Tacoma, and Bellevue metro areas.

Business Insurance Brokers LLC is licensed in Washington and writes cleaning company insurance for businesses across the state.

Washington's Monopolistic Workers Comp — What Cleaning Companies Need to Know

Washington is a monopolistic workers compensation state — meaning cleaning company employers must obtain WC coverage through the state's Labor & Industries (L&I) fund, not through private insurers. This is handled separately from your commercial insurance package.

However, stop-gap employers liability coverage is available through private carriers and provides an important layer of protection that L&I's WC coverage does not include. We include stop-gap coverage in your Washington commercial package so your umbrella policy doesn't have a gap.

Seattle and Western Washington Cleaning Markets

Seattle, Bellevue, Redmond, Kirkland, and the greater King County area have an exceptionally active commercial cleaning market. We also serve cleaning companies in Tacoma, Olympia, Everett, Spokane, and across Washington state.