Louisville Commercial Cleaning & Janitorial Insurance
Built for crews working in offices, medical buildings, and commercial properties across Louisville.

Commercial cleaning looks low-risk from the outside. It’s not. Your crews have keys to office buildings and medical suites. They handle chemicals. They work after hours when no one’s watching. They walk past thousands of dollars of electronics, inventory, and confidential paperwork every night. Property managers know this — which is why they demand real insurance certificates with real limits before letting your crew in the door. Dick Watts Insurance places commercial cleaning programs with Hanover and Progressive — carriers that actually want this class.

Coverages Every Louisville Cleaning Company Needs
General Liability (CGL): Covers slip-and-falls, property damage from cleaning chemicals, and bodily injury claims. Required by virtually every commercial property manager.
Workers’ Compensation: Cleaning crews face real injury exposure — slips, chemical burns, strains. Kentucky requires WC for most shops with employees.
Commercial Auto: Covers vans and vehicles used to transport crews and equipment. Hired and non-owned for employees driving personal vehicles.
Tools & Equipment: Floor machines, extractors, burnishers, vacuums — all covered on a scheduled or blanket basis.
Employee Dishonesty / Crime Coverage: Critical for cleaning companies. Covers theft by your own employees — which is what property managers are actually worried about.
Care, Custody & Control: When a key is in your crew’s pocket and something goes missing, this endorsement matters. Ask us about it.

A Real Louisville Example
We recently wrote a commercial cleaning company running 12 accounts across the East End. Their Progressive GL came in at $1,085 with blanket tools, property at covered and temporary jobsites, property in transit, and additional insured scheduled for their biggest commercial client. Add their work comp, commercial auto on two vans, and employee dishonesty coverage — they came out with better protection than their old carrier at a competitive price.

Why Louisville Cleaning Companies Work With Us
We write the endorsements property managers actually require — additional insured, waiver of subrogation, primary and non-contributory, 30-day notice
Same-day certificates with the exact language your customers demand
Employee dishonesty and crime coverage available and appropriately limited
Work comp priced aggressively — and it unlocks better pricing on your other lines
40 years building programs for Kentucky small businesses

Frequently Asked Questions
Q: Do I need insurance for a solo cleaning business?
A: If you’re cleaning commercial accounts, yes — your customers will require a certificate. Even for residential cleaning, a single slip-and-fall claim can cost six figures. GL is non-negotiable.
Q: What does commercial cleaning insurance cost in Louisville?
A: A solo operator can start under $600 for GL alone. A crew-based operation with employees, vans, and commercial contracts typically runs $5,000–$15,000+ across all lines.
Q: Will you add my customers as additional insureds?
A: Absolutely — and we’ll issue the certificates same-day. It’s part of the service.
Ready to Talk?
Call Dick Watts Insurance for a free coverage review. We’ll look at what your commercial clients are demanding on their certificates and make sure your program actually delivers.