Cleaning business insurance: Do I need it?

Insureon staff
Cleaning business insurance protects janitorial services and other cleaning companies from unexpected lawsuits and other risks. It can be required by state law or in client contracts.
View video transcript.

[video: an animated header displays the Insureon logo. Underneath it, a subheading displays the text: "What insurance do I need for my cleaning business?"]

MALE VOICEOVER: From house cleaners to commercial janitorial services, cleaning businesses face several risks daily. Having the right insurance will protect your cleaning company from accidents, equipment theft, and other financially devastating claims.

[video: an illustrated header displays the text: "The right coverage will help your business survive unexpected claims and lawsuits."]

So, which types of business insurance should a cleaning business carry?

[video: an illustrated header displays the text: "What types of insurance do I need for my cleaning business?"]

The most popular and often required policies include:

[video: an illustrated header displays the text: "The most common policies that a cleaning business needs include..."]

General liability insurance, which protects against basic third party risks, such as a customer injury, or damage to their property.

[video: an illustrated header displays the text: "General liability guards against:"]

[video: Under above header, three bullet points display the text: "Customer bodily injuries"; "Damaged customer property"; "Libel and advertising injuries"]

Workers' compensation insurance is usually required for businesses with employees, and protects against workplace illnesses or injuries.

[video: an illustrated header displays the text: "Workers' compensation helps with:"]

[video: Under above header, three bullet points display the text: "Employee medical expenses"; "Disability benefits"; "Legal fees from lawsuits"]

Commercial auto insurance covers vehicle theft, vandalism, and accidents involving your company's vehicle. Most states require this coverage for businesses that own vehicles.

[video: an illustrated header displays the text: "Commercial auto covers:"]

[video: Under above header, three bullet points display the text: "Physical damage and collisions"; "Injuries caused by your vehicle"; "Repairs due to weather or vandalism"]

A business owner's policy, or BOP, bundles general liability and commercial property coverage together. It usually costs less than purchasing each of these policies separately.

[video: an illustrated header displays the text: "A business owner's policy covers:"]

[video: Under above header, three bullet points display the text: "Client accidents"; "Stolen or damaged business property"; "Business interruptions"]

Janitorial bonds provide reimbursement to your client if an employee steals from them. These bonds are sometimes required in client contracts.

[video: an illustrated header displays the text: "Janitorial bonds cover:"]

[video: Under above header, three bullet points display the text: "Employee theft or fraud"; "Illegal funds transfer by an employee"; "Client contract requirements"]

Your unique business operations will likely determine what types of insurance you need and how much of a specific coverage you should carry. It's best to speak with your insurance agent to understand which policies can meet both your business needs and your budget.

[video: an illustrated header displays the text: "Speak with your insurance agent to find the right policies for your cleaning company."]

Get free insurance quotes for your cleaning business with Insureon today.

[video: an illustrated white header displays the text: "Insureon is your #1 agency for small business insurance"]

Click the link to get started.

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Whether you’re thinking of starting a cleaning business or looking to expand your current one, small business insurance offers financial protection, reliability, and peace of mind.

To fully protect your small cleaning company from all risks and liabilities, there are several types of coverage you should carry. In this video, we’ll look further at these essential policies and how you can get free insurance quotes from Insureon.

Learn more about cleaning business insurance and bonding.

Get insurance for your business with Insureon

Complete Insureon’s easy online application today to compare cleaning business insurance quotes from leading insurance companies. You can also consult with an insurance agent on your business insurance needs.

Once you find the right policy for your small business, you can begin coverage in less than 24 hours.

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