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Cleaning Business Insurance and Bonding
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Recommended insurance coverage and bonds for cleaning businesses
A client slipping on a wet floor or the theft of expensive cleaning equipment could financially devastate a small cleaning company. Insureon helps you find the types of insurance you need to survive the unexpected.
General liability insurance
A general liability policy covers common cleaning risks, such as client property damage and injuries. It's often the first insurance policy purchased by a cleaning business.
BEST FOR
- Clients slipping on wet floors
- Damage to customer property
- Advertising injury lawsuits
Workers’ compensation insurance
Almost every state requires workers' comp for cleaning businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical bills
- Partial missed wages
- Lawsuits over employee injuries
Commercial auto insurance
Commercial auto insurance provides property and liability coverage in an accident involving your business vehicle. It also covers vehicle theft and vandalism.
BEST FOR
- Car accidents
- Vandalism and theft
- Weather damage
Business owner's policy
Small cleaning business are often eligible for a business owner's policy. A BOP bundles general liability and commercial property insurance at a discount.
BEST FOR
- Client injuries
- Accidents that damage a client's property
- Damaged or destroyed cleaning equipment
Commercial umbrella insurance
Commercial umbrella insurance boosts business insurance coverage for general liability insurance, commercial auto insurance, and employer's liability insurance.
BEST FOR
- Multi-vehicle auto accidents
- Customer injury lawsuits
- Employee injury lawsuits
Janitorial bonds
Janitorial bonds are a type of surety bond. They protect cleaning and janitorial businesses against employee dishonesty, such as theft of client property.
BEST FOR
- Employee dishonesty
- Theft of money from a client
- Stolen property
Looking for different coverage? See more policies.
Does my cleaning business need commercial auto insurance?
Cleaning businesses that purchase commercial auto insurance often:
- Have a vehicle titled to their business
- Drive to and from worksites
- Carry cleaning supplies, equipment, or products used for work
- Transport employees
- Rely on delivery drivers or couriers
Check the laws in your state to see when coverage is required.
How to get business insurance today
Easily apply online, compare quotes from top carriers in seconds, and get your certificate of insurance the same day.
How much does cleaning business insurance cost?
Several factors will have an impact on insurance costs, including:
- Cleaning services offered, such as maid services
- Business equipment and property
- Revenue
- Location
- Number of employees
See cleaning business insurance requirements in your state
Choose your state to learn about insurance requirements for cleaning businesses.
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