Cleaning businesses provide services in clients’ homes and offices, which exposes them to property damage, slip-and-fall accidents and other risks. Having the right insurance helps protect your business from lawsuits and gives clients peace of mind.
Key coverages for cleaning companies include:
• General liability insurance – covers third-party injuries and property damage. If a client slips and falls while you’re mopping their floor or if you accidentally knock over an expensive vase, general liability can help pay for medical bills, repairs and legal costs.
• Workers’ compensation – required in most states if you have employees, this covers medical expenses and lost wages when employees suffer job-related injuries or illnesses. Even independent cleaners should consider occupational accident coverage to protect themselves.
• Janitorial bond or surety bond – provides reimbursement if one of your employees is accused of theft or damage while working at a client’s premises. Some clients require bonded cleaners.
• Commercial auto insurance – covers vehicles you use to transport employees, equipment and supplies. It pays for damage or injuries you cause in an accident and protects your business if an employee has a crash while on the job.
• Business owners policy (BOP) – combines general liability and commercial property coverage into one package, often at a discounted rate. A BOP can protect your supplies, equipment and office space against losses from fire, theft or other perils.
How much does it cost?
Insurance costs for cleaning businesses vary based on the size of your company, number of employees, types of services offered and your claims history. Many small cleaning businesses spend several hundred dollars per year for basic liability and bond coverage, while larger operations with employees and vehicles pay more. Comparing quotes from multiple carriers will help you find affordable coverage tailored to your needs.
Recommended Insurance Providers:
– NEXT Insurance – Offers quick online quotes tailored for cleaning companies and independent cleaners.
– Hiscox – Provides general liability, property and professional liability policies for janitorial services.
– Thimble – On-demand coverage ideal for one-time or seasonal cleaning jobs.
– CoverWallet – Marketplace that compares policies from multiple insurers to find the best cleaning business coverage.
Disclosure: We may earn a commission if you purchase a policy through these links at no extra cost to you.
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