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Why THREE > Janitorial & Cleaning


Janitorial & Cleaning

Your employees perform strenuous and important work, sometimes with harsh detergents or heavy equipment. They take care not to damage a customers’ property – scrubbing, but not too hard, tidying, but not too much and generally making things look as good as new. But behind all the shine and polish, lies a lot of risk.

THREE was created to protect your business as you grow, allowing you to focus on more than just the risks as you consider new opportunities. So, if you decide to bring on an outdoor cleaning service team, introduce a closet organizing service, add vehicles so you can expand your region, or just about anything else you can think of, give us a quick call and we’ll update your account.

No matter how great an idea or perfect a plan, so much remains out of your control. That’s why THREE was designed to provide the kind of comprehensive coverage necessary to protect your operations, your people and your property, so you can keep your business going and growing.  

Your Operations

From cleaning up red wine to flood water, and from managing payroll to safety training, you run your cleaning business like a well-oiled machine. But sometimes, even machines hit a snag.  

The average cleaning company loses up to 55% of their customers every year due to poor service.

Your Operations, hacked scenario


It was a disaster, an absolute disaster. Last summer I got hacked. It never even occurred to me. I mean, who would hack a cleaning company? I’m still not sure what they got—customer credit card information? Addresses? Security codes?!  I had to notify every customer. The response has ranged from angry to furious. I lost track of how many people threatened to sue me.

Your Operations, damage scenario


One of my cleaning teams was taking care of this one house, it was huge. Filled with nice (and by nice I mean expensive) things. Lena had just finished the bathrooms when she stopped in the living room to put the vacuum cleaner away. Obviously she didn’t realize there was bleach residue on the bottom of the bucket when she put it down on the $10,000 rug. But there was.

Your Operations, subcontracted scenario


Last year I landed several new corporate clients. I couldn’t staff up fast enough. So, I subcontracted out one of the jobs. Everything was fine at first. Then I started getting complaints about the quality of work. Trash not emptied. Floors not cleaned. Then it went from bad to worse—computer equipment stolen. Lost the client and was responsible for the equipment.

Your People

In the cleaning industry, your best employees and their work can really shine, literally. Appreciating those who make your business thrive is important, but protecting them is essential.

Back and shoulder injuries account for 61% of injuries requiring janitors and cleaners to miss work.

Your People, shifts scenario


One of my employees had been asking for more hours. She usually does residential jobs during the day, but all I had were a couple of night shifts cleaning offices. She said she’d make the schedule work. I should have known better though, late nights and early mornings don’t mix. She was driving the company van from one job site to another when she nodded off and went off the road.

Your People, theft scenario


It’s such a cliché. The cleaning lady stealing from the elderly client. But here we are. One of my clients, an 80-year old woman with bad hearing, accused one of my cleaners of stealing from her. Of taking cash out of her purse, five or 10 dollars at a time. And of taking her diamond earrings. The client’s son is a lawyer, so guilty or not, this is going to cost me.


Your People, repetitive strain injury scenario

Repetitive Strain Injury?

I spent a lot of money on industrial cleaning equipment. A lot. The whole point of that equipment is to get more done with less work isn’t it? One of my cleaners has been using the combo scrubber / sweeper quite a bit lately. It works really well. Or I thought it did. He’s been out for 4 weeks now because of “repetitive strain injury.” I’d never even heard of it before.

Your Property

When your property is all in one place, protecting it with security systems, surveillance devices, and sprinkler systems is pretty straightforward. But when your most valuable property, your vehicles and your equipment, are spread out all over town, it’s not so simple. In addition to the monetary costs of theft or damage, being unable to complete a job can cost you your reputation.

Vehicles tend to be the largest expense for commercial cleaning companies.

Your Property, theft scenario


Last year I invested in a ride-on floor scrubber-dryer. I was hesitant at first, but it was worth every penny. Worked great. Until a few guys, probably high school kids, broke into my garage and stole it. You can see them on the security footage, they just climbed on and rode off. Drove it a mile down the road. Right into the pond.

Your Property, accident scenario


In my line of work your physical office is pretty irrelevant. Bad lighting and outdated carpeting don’t matter much. Machinery and vehicles are a different story however. The other day one of my vans was in an accident. Some bozo ran a red light. The van is wrecked and the equipment, who knows? Without the van, I can’t get the equipment anywhere to find out if it’s damaged.

Your Property, flood scenario


I rent a small garage where we keep our vehicles, equipment and cleaning supplies. Last year when we got the “storm of the century,” it flooded. I’m not talking about a few inches of water. When I say flooded I’m talking two, two and a half feet. Everything was ruined. And the cherry on top? Calls for our services were pouring in. We had to turn down dozens of jobs.


Bottom Hero, janitor waxing floor

From cleaning up the party of the century to cleaning up the storm of the century

Your business is cleaning up someone else’s mess. Protecting that business, along with your staff, clients and equipment is now simpler than ever.

THREE provides comprehensive coverage for:

Small business coverage then.

Coverages and gaps notes

Small business coverage now.

THREE policy pages on a table
With comprehensive coverage from THREE, janitorial and cleaning businesses no longer need to purchase any bonds covering employee dishonesty from a third party. THREE resolves all claims directly.
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Questions? Speak with a THREE Small Business Advisor.
Call 1-800-507-4495.

An ounce of prevention

The best way to protect your business is to educate your staff to help prevent risky situations to begin with. In addition to online training tools, THREE offers these convenient posters that you can print out and start using right now.

Ready to simplify your insurance and get ready for whatever comes next?

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