Cleaning Business Insurance and Bonding

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Top cleaning businesses we insure

Insureon has helped small businesses secure over 1.5 million policies.

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We insure most businesses.

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 icon

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.

  • Clients slipping on wet floors
  • Damage to customer property
  • Advertising injury lawsuits
Workers’ compensation insurance icon

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.

  • Employee medical bills
  • Partial missed wages
  • Lawsuits over employee injuries
Commercial auto insurance icon

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.

  • Car accidents
  • Vandalism and theft
  • Weather damage
Business owner’s policy icon

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.

  • Client injuries
  • Accidents that damage a client's property
  • Damaged or destroyed cleaning equipment
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Commercial umbrella insurance boosts business insurance coverage for general liability insurance, commercial auto insurance, and employer's liability insurance.

  • Multi-vehicle auto accidents
  • Customer injury lawsuits
  • Employee injury lawsuits
Surety bond icon

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.

  • 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?

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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.

Protect your cleaning business today

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.

[video: an animated header displays the Insureon logo]

Insureon helps a wide range of businesses get the coverage they need from top-rated U.S. insurance carriers. Complete our easy online application to get free insurance quotes.

Our licensed insurance agents can help you choose the best cleaning insurance policies that meet the needs of your small business.

You’ll typically be able to get coverage quickly and receive a copy of your insurance certificate on the same day.

How much does cleaning business insurance cost?

Cleaning professional calculating cost of insurance for their business.

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
View Costs

State insurance requirements

How do I get 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:

  1. Complete a free online application
  2. Compare insurance quotes and choose a policy
  3. 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.

Verified business insurance reviews

Hear from customers like you who purchased small business insurance.

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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