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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 insurance you need to survive accidents and lawsuits.
A general liability policy covers common cleaning risks, such as client property damage and injuries. It's often the first policy purchased by a cleaning business.
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.
Janitorial bonds are a type of surety bond. They reimburse clients in the event of employee dishonesty, such as a housekeeper who steals from a home.
Commercial auto insurance provides property and liability coverage in an accident involving your business vehicle. It also covers vehicle theft and vandalism.
Small business owners are often eligible for a business owner's policy. A BOP bundles general liability and commercial property insurance at a discount.
Umbrella insurance boosts business insurance coverage for general liability insurance, commercial auto insurance, and employer's liability insurance.
Cleaning businesses that purchase commercial auto insurance often:
Check the laws in your state to see when coverage is required.
Small cleaning businesses usually pay less for insurance than larger businesses. Several factors affect the cost of cleaning insurance, including:
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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.
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So, which types of business insurance should a cleaning business carry?
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The most popular and often required policies include:
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General liability insurance, which protects against basic third party risks, such as a customer injury, or damage to their property.
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[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.
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[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.
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[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.
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[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.
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[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.
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Get free insurance quotes for your cleaning business with Insureon today.
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Click the link to get started.
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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.
It's easy to get business insurance for your cleaning company with Insureon. 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 in three easy steps:
Insureon's licensed agents work with top-rated U.S. insurance companies to find the right coverage for your cleaning business, whether you work independently or have several employees working for you.
Hear from customers like you who purchased small business insurance.
The requirements for cleaning businesses often depend on local laws, particularly state laws. Here are a few instances where your business needs to comply with state and municipal laws:
Janitorial bonds are required in some circumstances. They show clients your business is dependable, which is especially important when you're starting a cleaning business. Here are a few instances where you might need a bond:
In other industries, you might see a janitorial bond called a surety bond or a fidelity bond.
If you're self-employed, you probably have fewer resources to draw upon in the event of a lawsuit or other business disruption. Additionally, homeowner's insurance and other personal insurance policies won't provide coverage for incidents related to work.
For example, if you're injured on the job, health insurance likely won't cover your medical bills. And if you get into an auto accident in your own vehicle while driving to a client's home, your personal auto policy won't provide coverage.
Clients and government contracts could also require you to carry insurance for your cleaning business, regardless of its size.
That's why cleaning insurance for the self-employed is crucial, whether you're a sole proprietor or an independent contactor. It's also worth forming a limited liability company (LLC) so your personal assets aren't at risk for business liabilities.
To fully protect your cleaning business from all risks and liabilities, you may need additional coverage. Cleaners should consider the following business insurance policies:
Workers' compensation covers the costs of work-related injuries and illnesses, like medical bills and lost wages. Here’s how workers’ comp insurance works, and what you need to know as a business...
Your cleaning business may need licenses, bonds, and commercial insurance to operate legally. While it might seem like a lot, these added forms of protection can provide peace of mind for your...