Janitorial Insurance for
Illinois Cleaning Businesses
Illinois requires Workers' Compensation for all employers — even one employee. Get the coverage your business needs from A-rated carriers in one request.
Illinois Cleaning Business Coverage Requirements
Workers' Compensation
REQUIRED BY IL LAWRequired for all Illinois employers with 1+ employees. Covers employee medical bills and lost wages for on-the-job injuries. Failure to carry = fines up to $500/day.
General Liability (GL)
Required by most commercial contracts in Illinois. Covers slip-and-fall claims, property damage at client locations, and completed operations claims. Most clients require $1M per occurrence minimum.
Commercial Auto
Illinois requires commercial auto for vehicles used in business. Personal policies exclude business use — one accident in your cleaning van could leave you personally liable.
Janitorial Bond
Not required by Illinois state law, but frequently required by commercial cleaning contracts — especially schools, government buildings, and property management firms. Typically $10,000–$25,000.
Carriers Writing Illinois Janitorial Insurance
- ✓ The Hartford — A+ AM Best, active in Illinois
- ✓ Travelers — A++ AM Best, Illinois janitorial program
- ✓ Liberty Mutual — A AM Best, preferred cleaning class
- ✓ One application — we shop all three for you
- ✓ Response within 1 business day
Not sure what you need? Use our free Illinois Business Insurance Requirements Checker →
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Illinois Janitorial Insurance — FAQs
Is commercial insurance required for cleaning businesses in Illinois?+
Illinois does not have a statewide law requiring general liability insurance for cleaning businesses, but most commercial clients and property managers require proof of GL coverage — typically $1,000,000 per occurrence — before allowing cleaning crews on-site. Workers' compensation is legally required for any Illinois employer with one or more employees.
Does Illinois require workers' comp for cleaning businesses?+
Yes. Illinois requires all employers with one or more employees to carry workers' compensation insurance. This includes part-time employees. Illinois cleaning businesses that fail to maintain required workers' comp coverage face fines of up to $500 per day of non-compliance and potential stop-work orders from the Illinois Workers' Compensation Commission.
How much does janitorial insurance cost in Illinois?+
Janitorial general liability insurance in Illinois typically costs $600–$2,500 per year for a small-to-mid-sized cleaning company. Workers' compensation costs vary based on payroll and are calculated per $100 of payroll — cleaning businesses in Illinois typically pay $4–$9 per $100 in payroll for workers' comp. Rates depend on your specific operations, claims history, and the carriers available in your area.
Do I need a bond to run a cleaning business in Illinois?+
Illinois does not have a statewide bonding requirement for cleaning businesses, but individual contracts — especially commercial cleaning contracts with schools, hospitals, government buildings, and property management firms — frequently require a janitorial surety bond of $10,000–$25,000. A bond protects your client from employee theft and costs $100–$300 per year.
Which carriers write janitorial insurance in Illinois?+
Insurance Pro Agencies works with Hartford, Travelers, and Liberty Mutual for Illinois janitorial and commercial cleaning businesses. All three carriers are A-rated by AM Best and actively write cleaning business accounts in Illinois. You can submit one application through IPA and receive competitive quotes from multiple carriers within 1 business day.