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.
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.
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.
Commercial auto insurance provides property and liability coverage in an accident involving your business vehicle. It also covers vehicle theft and vandalism.
Small cleaning business are often eligible for a business owner's policy. A BOP bundles general liability and commercial property insurance at a discount.
Commercial umbrella insurance boosts business insurance coverage for general liability insurance, commercial auto insurance, and employer's liability insurance.
Janitorial bonds are a type of surety bond. They protect cleaning and janitorial businesses against employee dishonesty, such as theft of client property.
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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:
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.
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.
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.
To fully protect your cleaning business from all risks and liabilities, you may need additional types of coverage.
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.