Cleaning Business Insurance and Bonding

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Choose the best rate and coverage

With Insureon, cleaning businesses can compare insurance quotes from top U.S. providers online. Fill out one application to receive multiple quotes.

Recommended insurance policies and bonds for cleaning businesses

Janitors, maids, window cleaners, carpet cleaners, and other cleaning professionals face unique risks. Insureon helps you find the coverage you need to protect your cleaning business from unexpected costs.

General liability insurance icon

General liability insurance

This 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
  • Slip-and-fall accidents
  • Damage to customer property
  • Libel or slander lawsuits
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for cleaning businesses that have employees. It can cover medical costs for work-related injuries.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance can pay for property damage and medical bills in an accident. It also covers vehicle theft, weather damage, 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 client property
  • Damaged or destroyed business property
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Commercial umbrella insurance boosts the limits of a cleaning business's general liability insurance, commercial auto insurance, and employer's liability insurance policies

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 businesses against losses caused by an employee’s 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.

How much do cleaning businesses pay for insurance?

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

Several factors will have an impact on insurance costs, including:

  • Cleaning services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
What our customers are saying
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
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