Cleaning Contract Insurance Checklist

Business: ________________ Reviewer: ________________ Client: ________________ Contract or job: ________________ Contract date: ________________ State: ________________ Certificate due date: ________________ Insurance contact: ________________

Use this checklist before signing the contract and before work starts.

• General liability is required by the contract.
• Required general liability limits are listed. Note any required per-occurrence limit: __________
• Required general liability aggregate limit is listed: __________
• If the contract uses the common $1 million per occurrence and $2 million aggregate benchmark, confirm the policy matches it.
• Workers compensation is addressed for employees, unless the contract and state law allow an exception.
• Commercial auto is addressed if any vehicle is used to perform the cleaning work.
• Hired and non-owned auto wording is checked if crews use personal, rented, or hired vehicles.
• Owned tools, supplies, and cleaning equipment are addressed through property or business owners policy coverage when needed.
• Fidelity bond or janitorial bond language is separated from liability insurance requirements.

• Additional insured wording is required: Yes / No
• The named additional insured matches the contract: __________
• The contract names a specific additional insured endorsement form or edition: Yes / No
• Primary and noncontributory wording is required: Yes / No
• Waiver of subrogation is required: Yes / No
• The certificate alone is not treated as proof of endorsement wording unless the policy or endorsement supports it.
• Required endorsements are requested from ________________ before the certificate due date.

• Evidence of insurance must be furnished before work starts if the contract requires it.
• Certificate holder name and address match the contract.
• Project, building, or location description is included if requested.
• Insurer rating requirement is checked. Example public janitorial language requires an insurer authorized in California with at least a Best A:VII rating or other approval.
• Cancellation, termination, or reduction notice language is checked. Public contract language may require 10-day advance notice.
• Renewal dates are tracked so the certificate does not expire during the cleaning contract term.

• The contract addresses after-hours access, keys, badges, alarm codes, or restricted areas.
• Confidential, privileged, sensitive, or proprietary information areas are identified.
• Employee screening or client rejection rights are reviewed if the client requires them.
• Exterior window cleaning, ladders, lifts, roof access, rope descent, or other height work is identified for underwriting review.
• Subcontracted cleaning work is identified before certificates or endorsements are requested.