Northmark Facility Services is insured and bonded. Our insurance responds if our work causes property damage or injury at your facility. Our bond adds protection specifically aimed at loss caused by a dishonest act of a team member. Certificates of insurance are available to clients and property managers on request, and we can name your organization as an additional insured where your contract requires it.
Why commercial buyers ask about insurance first
Cleaning teams work in your building after hours, handle chemicals, move furniture, use ladders and carry your keys. Even well-run teams occasionally break something. A mop bucket spills on a server room floor. A cart scrapes a freshly painted wall. A visitor slips on a wet lobby floor. Insurance determines who pays when that happens.
If a vendor is uninsured or underinsured, the claim falls back on you and your own policy, which can mean deductibles, higher premiums and a difficult conversation with your landlord or tenants. That is why most property managers, healthcare organizations and financial institutions will not let a vendor on site without a current certificate.
What insurance covers
Commercial cleaning companies typically carry several kinds of coverage. The U.S. Small Business Administration describes general liability, workers' compensation and commercial auto as common business policies. In a cleaning context they work roughly like this:
| Coverage | What it typically responds to |
|---|---|
| General liability | Bodily injury to third parties and damage to client property caused by our operations |
| Workers' compensation | Injuries to our own employees while working at your site, so the claim does not fall on you |
| Commercial auto | Accidents involving vehicles used for business |
| Bond (janitorial or fidelity) | Loss from theft or dishonest acts by a team member, subject to the bond's terms |
Exact coverages, limits and conditions are set out in the policy documents and certificate. We provide the certificate so you can review the details rather than taking a description on trust.
What a bond adds
A bond is different from liability insurance. Liability insurance covers accidents. A janitorial or fidelity bond is aimed at dishonesty: for example, if property goes missing and the loss is attributed to a team member. Bonds typically have their own conditions for proving a loss. Our guide to bonded vs insured cleaning companies explains the difference in plain terms.
Being bonded is not a substitute for good hiring and access control. It is the backstop. Our first line of defense is background-checked staff and documented security and access control procedures. The bond covers what procedures cannot prevent.
How to request a certificate of insurance
Email contact@northmarkfacilityservices.com or ask during your facility walkthrough. Tell us:
- The certificate holder's legal name and address
- Whether you need to be named as an additional insured
- Any specific limits or endorsements your lease, management agreement or corporate policy requires
- Where the certificate should be sent (for example, a property management company's compliance inbox)
Property managers often need certificates for each building owner entity. We can issue separate certificates per property.
What to check on any cleaning vendor's certificate
Whether you hire Northmark or anyone else, review the certificate itself:
- Named insured matches the company on your contract.
- Policy dates are current and will not lapse mid-contract.
- Coverage types include general liability and workers' compensation at a minimum.
- Limits meet your lease or corporate requirements.
- Certificate holder and additional insured wording are correct.
- Bond information is provided separately if the vendor claims to be bonded.
Ask for an updated certificate at each renewal. Our list of questions to ask a janitorial company includes insurance questions worth adding to any RFP, and our guide to janitorial contract terms covers indemnification and insurance clauses.
Why this matters for property managers
Property management companies carry responsibility to owners for every vendor they bring on site. An uninsured cleaning vendor creates exposure for the manager, not only the owner. Northmark provides certificates per property, keeps them current and responds quickly to compliance requests, which removes one recurring administrative task from a manager's week.
Frequently asked questions
Is Northmark Facility Services insured?
Yes. Northmark carries business insurance, and certificates of insurance are available on request.
Is Northmark bonded?
Yes. Northmark is bonded in addition to carrying insurance.
Can you name our company as an additional insured?
Yes, where your contract requires it. Send us the exact legal name and address of each party to be listed.
How quickly can we get a certificate?
Certificate requests are handled promptly. Send the certificate holder details to contact@northmarkfacilityservices.com.
Does insurance replace background checks?
No. Insurance and bonding cover losses after something goes wrong. Background checks and access controls are designed to prevent problems in the first place. Northmark uses both.
Sources
Published · Updated · Northmark Facility Services.