Does janitorial insurance cover employee theft or accidental damage?

Yes! When your policy includes the right coverage: 

  • Employee theft – Employee dishonesty coverage can help reimburse losses if a worker is accused of stealing from a client site. 
  • Accidental damage – General liability insurance can help if your team accidentally damages furniture, electronics, or other property during cleaning. 

These protections are vital because janitorial teams often work unsupervised in client facilities, making trust and liability coverage equally important. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.