Gardeners, landscapers, and house-cleaning crews work on other people's property every day — and clients and property managers want proof of insurance before you start. General liability, tools, janitorial bonds, and workers' comp. Bilingual for jardineros.
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No broker fees on standard policies · Bilingual · Se habla español
Mon–Fri 10am–6pm · Sat 10am–3pm · Se habla español
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Gardeners, landscapers, and house-cleaning and janitorial businesses share the same core risk: you spend your day working on someone else's property, which means you can damage it, and clients increasingly want proof of insurance before they let you on site. The foundation is general liability, which covers third-party property damage and injury — a sprinkler line cut, a window broken, a client who slips. Property managers, HOAs, and commercial clients across the Bay Area now routinely require a certificate of insurance, often naming them as additional insured, before they will sign you on. As an independent broker we shop this across carriers and issue that certificate fast.
From there each trade adds what it needs. Gardeners and landscapers need tools and equipment coverage for the mowers, blowers, and trailers they cannot work without — and commercial auto if they drive trucks and tow trailers between properties. House cleaners and janitorial businesses often need a janitorial bond, which covers theft by an employee while working inside a client's home or office, because that is exactly the assurance clients ask for. And any of these trades with employees on payroll needs workers' compensation under California law. We build the program around the trade you actually run.
Covers property damage and injury while you work — the coverage clients and property managers require before you start.
Protects the mowers, blowers, trailers, and cleaning gear your business can't operate without.
Covers theft by an employee inside a client's home or office — the assurance cleaning clients ask for.
Required by California for your crew. We get the landscaping or janitorial class codes right.
Coverage for lawn care, gardening, tree work, and full-service landscaping operations.
Coverage for house cleaners, maid services, and commercial janitorial businesses.
Gardeners, landscapers, and cleaning crews are everywhere across San Jose and the Bay Area, and a large share are immigrant-owned, family-run, Spanish-speaking businesses — exactly who we are built to serve. A jardinero maintaining yards across the South Bay, a landscaping crew on commercial properties, a house-cleaning business serving homes, and a janitorial company cleaning offices each face a slightly different risk, but they share the same wall: the property manager, HOA, or commercial client wants a certificate of insurance before any work begins, and many want to be named as additional insured.
That requirement is where a lot of these businesses lose accounts — they cannot produce the certificate fast enough, or they do not have the right coverage to begin with. We fix that. We set up general liability, add tools and equipment and a janitorial bond where the trade needs it, get workers' comp with the correct class codes, and turn the certificate around fast so you win and keep the account. Because we are independent, we shop across carriers, and we handle all of it in Spanish or English.
Our San Jose office at 25 N. 14th St. on the East Side insures gardeners, landscapers, house cleaners, and janitorial businesses across San Jose, Santa Clara, Sunnyvale, Milpitas, and Campbell, and serves Marin trades through our San Rafael office. We set up the liability, tools, bond, and comp your trade needs and issue the certificates your clients and property managers require.
We are open Monday through Friday 10am to 6pm and Saturday 10am to 3pm. Walk in, call, or start online. There are no broker fees on standard policies, we accept ITIN numbers, and we do not ask about immigration status. We work bilingually in English and Spanish, because so many of the jardineros and cleaning businesses keeping the Bay Area's homes and properties up do business in Spanish.
Walk in or call — we'll set up liability, tools, bond, and comp and issue your certificate fast.