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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
Apply online, compare quotes from top carriers in seconds, and get your certificate of insurance the same day.
View video transcript.
We're on top of your small and medium-sized business insurance needs. We'll help you find policies that protect what you've worked so hard to build.
Start here. Tell us about yourself. Questions? We've got your back. The info you share is secure. We'll double-check it and a pro with experience in your field will be in touch.
Fast? You can compare quotes from leading insurance providers in seconds and get a certificate of insurance the same day.
Always online, always on your side. Helping protect your business.
How much does cleaning business insurance cost?
A small cleaning business can expect to pay less for insurance than a larger business. Several factors affect the cost of cleaning insurance, including:
- The type of cleaning services you offer (maid services, janitorial, Airbnb, etc.)
- Business equipment and property, such as vacuum cleaners, carpet cleaners, etc.
- You business revenue
- Your business location, as well as where you operate
- How many employees you have
How do I get commercial cleaning liability insurance?
It's easy to get business insurance for your cleaning business.
Whether you're looking for cleaning insurance for self-employed professionals or a multi-person operation, you'll need to have some basic info about your business on hand, such as annual revenue and number of employees, to get free quotes.
You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose a policy
- Pay for your insurance policy and download a certificate of insurance
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance for your cleaning business, whether you work independently or have several employees working for you.
State insurance requirements
See cleaning business insurance requirements in your state
Choose your state to learn about insurance requirements for cleaning businesses.
Frequently asked questions about cleaning business insurance
Do I need a license for my cleaning business?
Many states and local governments require a license for any business, including a cleaning services company. It’s a good idea to check your state and local licensing laws when you start a cleaning business.
Your state may require a vendor’s license or business license. This allows you to collect and report sales tax on the cleaning supplies you buy, if you charge your clients for the products you use.
If you call your business by any name other than your own, you’ll need a doing business as (DBA) license.
You can apply for a license or find out what’s required, through your state’s department of revenue, department of taxation, secretary of state, or your local city or county clerk.
Do I need a bond for my cleaning business?
Your state may require your business to be bonded and insured. Even if not required, being fully licensed, bonded, and insured can help you promote your business and give you an edge over the competition.
You may need a janitorial bond before you can apply for a business license. It provides a financial guarantee that the insurer (which issues the bond) will reimburse a client if your business fails to deliver its contracted services, or if one of your employees steals from a customer.
Most states require businesses with employees to have workers’ compensation insurance. This policy covers medical bills if an employee suffers a work-related injury or illness. Your employees’ regular health insurance is unlikely to cover medical expenses from a work-related mishap.
If your business owns a vehicle, you’ll also likely need commercial auto insurance.
What other types of coverage do cleaning businesses need?
To fully protect your cleaning business from all risks and liabilities, you may need additional types of coverage.
This includes:
Commercial property insurance covers property damage at your business’s physical location and other assets, like equipment. It covers the cost of repairing or replacing stolen, lost, or damaged business property.
If you or your employees use personal, leased, or rented vehicles for work you may need hired and non-owned auto (HNOA) insurance. Your personal auto insurance is unlikely to cover you for a work-related accident, such as visiting a client’s home or taking supplies to a job site.
Inland marine insurance provides coverage for business property, such as products, tools, and equipment, while it’s in transit over land or stored at an off-site location. Your general liability insurance covers these items while they’re being stored at your business, but not on the road.
One type of inland marine insurance is contractor's tools and equipment coverage. This is perfect for any cleaning business, such as carpet cleaners, whose equipment may be valued less than $10k and less than five years old.
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