Cleaning Business Insurance and Bonding

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What kind of work do you do?
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We partner with trusted A-rated insurance companies
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Top cleaning businesses we insure

Insureon has helped small businesses secure over 1 million policies.

Don't see your profession? Don't worry.
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.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • 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.

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?

A painting company's trucks with ladders on the roof.

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.
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?

Woman with clipboard calculating cost of insurance for her cleaning business.

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
View Costs

State insurance requirements

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