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Ohio bonds

Ohio — Janitorial Bond

A customer’s “bonded and insured” requirement can ask for two different protections. For an Ohio cleaning business, this janitorial bond addresses covered theft; the client may also require liability insurance. Compare the one-year and three-year RLI options below and use Purchase Now for the term you need.

Also known as Ohio Janitorial Bond (1 Year); Ohio Janitorial Bond (3 Years); Ohio Janitorial Bonds

2 options on record. Choose the one that matches your requirement, then purchase.

How a fidelity bond works

Fidelity protection responds to covered dishonest acts. The form identifies whose money or property is protected, the covered persons, and the applicable limits.

Bond family
Fidelity bond
Recorded state
Ohio
Category
Fidelity & employee dishonesty

What this bond does

The janitorial bond addresses covered employee dishonesty involving customer money or property during cleaning work. RLI’s application says an employee must be convicted of the alleged dishonesty before coverage applies.

Who needs it
An Ohio janitorial or cleaning business meeting a customer’s theft-protection requirement or arranging that protection for its client work. Use the customer agreement to identify the requested limit and covered people.
Who is protected
The relevant customer-property theft exposure is subject to the bond’s limit and conditions. It is not a guarantee of satisfactory cleaning, compensation for every unexplained shortage or liability insurance for every accident.

Choose from 2 options

Each option is a separate record. Where a term, bond amount, premium, or E&O limit is known, it is listed; match it to what your requirement asks for.

The coverage amount describes a limit of protection, not the price. Match the requested protection and covered persons to the actual fidelity form. The premium is what you pay and must be confirmed for the actual option. An E&O limit, where listed, is separate errors and omissions insurance.

Translate the customer’s contract into a coverage request

Ask the customer to identify the janitorial or employee-dishonesty limit it expects and the evidence it wants before work begins. A requirement for liability insurance alone does not tell you the theft limit, and the phrase “fully bonded” does not define a claim condition.

Compare the requested people with your workforce. RLI asks for full- and part-time employee counts, owner count and whether owners are to be covered. If an owner cleans alone or you use subcontracted crews, review the covered-person wording before making a representation to the client.

Read the theft conditions before presenting proof

Select a limit that meets the contract and consider the property accessible during your work. Review any deductible, exclusions and how the limit applies to losses. RLI’s conviction condition means a customer’s allegation is not, by itself, enough to establish coverage.

A broken fixture, an injury or unfinished work raises a different issue from theft. Keep the janitorial bond alongside the separate liability certificate and service agreement rather than using one document to describe all three obligations.

Choose one year or three years within this parent page

The two options here are RLI terms of one year and three years. Choose the option matching your intended period and review its effective dates and available limit. Purchase Now opens RLI's application in a new tab through The Southern Agency. The length of a cleaning contract does not automatically determine all coverage terms.

After issuance, supply the client’s requested evidence and keep the full bond for your records. Review the protection when renewing a service contract, adding workers or taking on a customer with a higher required limit.

Sources

Have these ready

  1. Your Ohio cleaning business’s legal name and address.
  2. The customer agreement’s theft limit, insurance requirements, and requested proof.
  3. Employee and owner counts, owner-coverage choice, and any subcontractor questions.
  4. The desired one- or three-year term and the loss-history information requested in the application.

Questions about this bond

Does “bonded and insured” mean this one purchase covers everything?

No. Ask the customer for its theft-protection and liability requirements separately. A janitorial bond does not replace general liability coverage or a promise to complete the cleaning contract.

Can a client claim for a missing item without further conditions?

Coverage is governed by the issued form. RLI’s application describes a conviction requirement for employee dishonesty, as well as other bond provisions, exclusions and conditions.

How do I select the Ohio three-year option?

Use the three-year RLI option on this page and its Purchase Now link. The one-year choice remains available here too; neither requires a separate term-specific page.

Does a higher limit mean all crew members are covered?

The limit and the definition of covered people are separate questions. Review employee, owner and subcontractor treatment before describing the coverage to a client.

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