Trade × state guide
Insurance for janitorial services in New York.
In New York, janitorial services usually need general liability, workers' compensation and surety bond. On workers' compensation, New York's rule is: Required for virtually all employers with one or more employees (WCL §2 and §3).[S]New York workers' compensation threshold
Updated 2026-05-16 · Beaconcover editorial§ 01
State desk
Licensing notes for New York.
- Mandatory disability benefits (DBL) coverage is separate from workers' comp
- NYC home-improvement contractors require a local license
§ 02
Required cover
Coverage janitorial services typically need.
- ✓General liability
- ✓Workers' compensation
- ✓Surety bond
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