Sharp Insurance & Financial Services
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    • Home
    • Lines of Insurance
      • Personal Insurance
      • Commercial Insurance
      • Life Insurance
      • Health Insurance
    • Blog
    • Industries We Serve
      • Trucking
      • Restaurant Insurance
      • Bakery & Café
      • Catering
      • Food Truck
      • Bar & Brewery
      • Contractor Insurance
      • Remodeling Contractor
      • Electrical Contractor
      • Plumbing Contractor
      • HVAC Contractor
      • Roofing Contractor
      • Cleaning & Janitorial
      • Landscaping & Lawn Care
  • Home
  • Lines of Insurance
    • Personal Insurance
    • Commercial Insurance
    • Life Insurance
    • Health Insurance
  • Blog
  • Industries We Serve
    • Trucking
    • Restaurant Insurance
    • Bakery & Café
    • Catering
    • Food Truck
    • Bar & Brewery
    • Contractor Insurance
    • Remodeling Contractor
    • Electrical Contractor
    • Plumbing Contractor
    • HVAC Contractor
    • Roofing Contractor
    • Cleaning & Janitorial
    • Landscaping & Lawn Care

Cleaning & Janitorial Insurance in KY, OH, and WV

Cleaning and janitorial businesses work inside customer homes and commercial buildings — which brings unique risks. From slips on wet floors to accidental property damage, the right protection ensures your business stays safe and credible.

Sharp Insurance & Financial Services helps cleaners across Ashland, Russell, Flatwoods, Ironton, Huntington, Lexington, and Charleston get affordable, reliable coverage built for their daily work.


Why Cleaning Companies Need Insurance

Common risks include:

  • Slips and falls on freshly cleaned floors
     
  • Chemical spills or staining
     
  • Breaking appliances or fixtures
     
  • Damaging customer property
     
  • Employee injuries
     
  • Vehicle accidents
     
  • Equipment theft
     

A proper insurance policy protects your business at every level.

Cleaning & Janitorial Coverage Options

Cleaning and janitorial businesses face unique risks — from slips on freshly cleaned floors to accidental property damage inside homes and offices. Our tailored policies are built to protect your business from liability claims, equipment loss, chemical-related incidents, and job-site accidents.

General Liability Insurance

Covers accidental property damage or injuries — such as broken items, damaged surfaces, or slips on wet floors. 

Commercial Auto Insurance

Covers vehicles used for transporting cleaning crews, tools, and supplies. 

Workers’ Compensation Insurance

Essential if you have staff. Covers injuries from lifting, slipping, or chemical exposure. 

Commercial Property Insurance

Protects your office, warehouse, or shop — along with your inventory and parts — from fire, theft, vandalism, or storm damage. 

Contractor’s Tools & Equipment Coverage

Protects vacuums, floor buffers, carpet cleaners, and cleaning tools from theft or damage. 

Janitorial Bond

Provides employee dishonesty protection, often required by commercial clients. 

Umbrella Liability Insurance

Adds extra liability protection — highly recommended for any business.

Group Life & Health Insurance

Helps you attract and retain skilled employees while protecting their well-being. We offer group health, dental, vision, and life insurance options for businesses of all sizes. 

Cleaning & Janitorial Insurance Tips & Resources

Get a Free Cleaning or Janitorial Insurance Quote

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Sharp Insurance & Financial Services

We’re here to help protect your cleaning business and your employees. At Sharp Insurance & Financial Services, we proudly serve Kentucky, Ohio, and West Virginia, offering expert local support and insurance solutions you can trust. 

Sharp Insurance & Financial Services

606-324-0696 ethan@sharpifs.com

Hours

Mon

09:00 am – 05:00 pm

Tue

09:00 am – 05:00 pm

Wed

09:00 am – 05:00 pm

Thu

09:00 am – 05:00 pm

Fri

09:00 am – 05:00 pm

Sat

Closed

Sun

Closed



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