Texas Credit Union Fidelity Bond Requirements (2026)
Texas credit unions answer to two fidelity bond rules, not one. The NCUA asset table under 12 CFR 713.5, plus what 7 TAC 91.510 adds if you're state-chartered.
Janitorial Service Bond
Janitorial service bonds,
Janitorial service bonds,
issued the same day you apply.
Third-party fidelity bond specifically for Houston cleaning and janitorial companies. Covers theft of client property by crew members on residential or commercial job sites. Standard coverage for property-management RFPs and residential "bonded and insured" marketing. Premium typically $100–$400 per year.
- Residential, commercial, and mixed crews
- Named co-obligee endorsements on request
- Same-day PDF issuance
What it is
What is a janitorial service bond?
A janitorial service bond is a specialized fidelity bond — a type of business services bond — written for janitorial companies and cleaning contractors, from residential maid services to industrial cleaning crews. It covers theft of client property by employees while on residential or commercial job sites. For any Houston cleaning company bidding on commercial work or marketing to homeowners, it is table stakes.
Commercial property managers, medical office buildings, school districts, and retail chains virtually all require bonded cleaning contractors in their RFPs. The bond number and amount typically appear as an insurance certificate deliverable alongside general liability and workers' compensation. Missing the bond is the single most common reason cleaning companies are dropped from shortlists.
On the residential side, "bonded, licensed, and insured" is the conversion line for premium clients. Online reviews, Google Business Profile descriptions, and Thumbtack listings that include "bonded" consistently out-convert listings that do not. The bond is cheap; the marketing lift is disproportionately large.
Also handling your own books and cash? See business service bond vs. employee dishonesty bond — many cleaning companies end up carrying both.
What you pay
Flat rates by coverage limit and crew size.
Janitorial bonds are priced on coverage limit and employee count. Credit is not a material factor. Rates are among the lowest of any commercial bond.
| Coverage limit | Up to 5 employees | Up to 20 employees |
|---|---|---|
| $5,000 Solo or two-person crew | $80–$100 | $150 |
| $10,000 Most common limit | $100 | $200 |
| $25,000 Multi-crew residential or small commercial | $150–$250 | $300–$400 |
| $50,000 Large commercial janitorial | $250–$400 | $450–$700 |
Property-management contracts sometimes specify the limit ($25K and $50K are common). Match the bond to the RFP requirement, or go one tier higher.
How to get bonded
Four steps, start to bid-ready in under an hour.
- 01
Match the contract requirement
If a specific RFP or client contract sets the bond amount, match it. For pre-bid marketing, $10,000 is the common starting point for residential; $25,000 for commercial.
- 02
Short application
Business name, owner name, number of cleaning employees. No credit pull for standard limits. Application takes about five minutes.
- 03
Bond issuance
PDF delivered same-day. Original by mail. Certificate of insurance available if the client requests one alongside liability.
- 04
Named co-obligee (if required)
Commercial contracts sometimes require the client as a named co-obligee on the bond. We add the endorsement within 24 hours at no additional premium.
Coverage details
What the bond covers and what it does not.
What is covered
Theft of client property by an employee of the bonded cleaning company while on the client's premises performing cleaning services. Covered party is the client.
Proof required
Standard forms pay on conviction of the employee for the theft. Broader "preponderance" forms are available at higher premium for companies that want reduced trigger requirements.
Covered employees
W-2 employees of the bonded business. Independent contractor cleaners are typically excluded. Leased workers under the bonded company's direction are usually covered if properly described in the application.
Not covered
Accidental damage during cleaning (use liability insurance), workplace injuries (use workers' compensation), and contract disputes. Owner or officer theft is excluded — only employees are covered.
Not Texas-required
No Texas statute requires a janitorial bond. It is required by commercial contracts, franchise agreements, and residential client expectation.
Why Surety Bond Houston
Houston cleaning market is our home turf.
Property-management ready
We know the bond requirements for the major Houston property-management companies and medical building operators. Match the RFP on the first bid.
Franchise-compliant
Molly Maid, Merry Maids, ServiceMaster, ServPro franchise agreements — we write to each franchise's bond spec without revisions.
Certificate packets
Bond, liability COI, workers' comp certificate — delivered as one packet for easy submission with your bid.
Related bonds
Other fidelity bonds we write.
FAQ
Janitorial bond questions we answer every week.
How much does a janitorial service bond cost?
Premium is flat-rate by coverage limit and employee count. A $10,000 bond covering up to five cleaning employees typically costs $100 per year. A $25,000 bond covering up to twenty employees runs $300 to $400 per year. Because the bond is narrow third-party fidelity coverage with a conviction requirement, sureties price it on volume rather than credit risk.
Do I need a janitorial bond to clean homes or offices in Texas?
Texas does not require it by statute. Many commercial clients — property managers, office buildings, medical facilities — require bonded cleaning crews in their service contracts. Residential clients increasingly ask for "bonded and insured" cleaners, and franchise agreements for national cleaning brands nearly always require the bond as a condition of operation.
What is the difference between a janitorial bond and general liability insurance?
Liability insurance covers accidental damage — a broken vase, a wet-floor slip, a scratched table. A janitorial bond covers intentional theft by an employee while on the client's premises. Clients typically ask for both, and Houston cleaning companies that bid on commercial work usually carry both plus workers' compensation.
Does the bond cover subcontractors or only W-2 employees?
Standard janitorial bonds cover W-2 employees only. Independent contractor cleaners are excluded from most policies — a common blind spot for cleaning companies that use a mix of staff and 1099 workers. If you subcontract regularly, we can place coverage forms that include leased workers under your direction, or issue a separate bond for subcontracted crews.
What kind of proof is required to trigger a payout?
Most janitorial bonds pay only upon conviction of the employee for the underlying theft. The client files a police report, the employee is charged, and the bond pays after conviction. This limits coverage to provable theft cases. Broader "preponderance of evidence" forms exist but cost meaningfully more — we quote both on request.
Can I use one janitorial bond for both residential and commercial cleaning?
Yes. A single janitorial bond covers employees of the bonded business regardless of where they are working. If you run residential crews and a commercial contract crew under the same business entity, one blanket bond covers all of them. Separate legal entities need separate bonds.
How quickly can I get bonded before a new commercial contract starts?
Same-day. Short application, flat-rate quote, PDF bond delivered within hours. Many Houston cleaning companies call us after a property-management RFP asks for a bond and are ready to bid the same afternoon. If the contract requires a specific wording or the client as named co-obligee, add 24 hours for the endorsement.
Ready when you are
Get your Houston janitorial bond today.
Flat-rate pricing, same-day PDF, bid-ready certificate packets, and named co-obligee endorsements on request.