Cleaning Business Insurance and Bonding
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Business owner's policy for cleaning services

A business owner's policy (BOP) covers common property and third-party liability risks, such as customer injury. It also protects your cleaning service business from the financial loss that comes with lawsuits and helps you qualify for leases and contracts.

Why do cleaning businesses need a business owner’s policy?

A business owner’s policy includes general liability insurance, which is often the first policy that cleaning businesses need. General liability coverage provides protection against third-party lawsuits and accidents that might otherwise financially devastate your business. It's required for most commercial leases.

A BOP also includes commercial property insurance, which protects your cleaning equipment and other business property from damage and theft.

A business owner's policy can help cover the costs of:

  • Lawsuits related to third-party customer injuries or property damage
  • Lost or stolen business equipment
  • Damage to cleaning equipment, any commercial space you rent or own, and other business property
  • Lawsuits related to libel, copyright infringement, and other advertising injuries

Commercial cleaning often involves industrial cleaning and waxing equipment that would be expensive to replace and could cause substantial damage if used improperly. That’s why this policy is vital for professionals like house cleaners, janitors, carpet cleaners, and window cleaners.

Customize a BOP to fit your business needs

Cleaning service professionals can work with an insurance agent to tailor a BOP to meet their specific needs.

For example, consider adding a business interruption insurance endorsement on your policy, which can cover operating expenses and lost income if your business is forced to temporarily close due to a covered event, such as a fire. You can also add inland marine insurance to protect mobile property, such as industrial vacuums or cleaning equipment.

Small, low-risk businesses usually qualify for a BOP. That might include:

  • A house cleaning company with a few employees
  • A pool cleaning business with a small storefront
  • A mom-and-pop carpet cleaning business
Find business owner's policy quotes for cleaning professionals

What coverage can a business owner’s policy provide for a cleaning business?

A business owner's policy protects your cleaning business from common property and third-party liability risks.

This includes:

Customer injuries or property damage

The general liability portion of a business owner’s policy can pay for medical bills, legal costs, and other expenses related to third-party injuries or property damage, such as:

  • Accidental damage caused by your cleaning crew
  • A homeowner tripping over cleaning equipment used by your staff
  • A client injury at your office

Advertising injuries

The general liability portion of a BOP also protects cleaning services against advertising injuries, including:

For example, if you say something negative about a competitor’s work at a networking event and are sued for slander, general liability insurance could help pay the legal costs.

Damage to your cleaning equipment and other business property

The commercial property insurance in a BOP protects:

  • Business equipment, such as vacuums, shampooers, ladders, etc.
  • Office furniture and fixtures
  • The building, if you own it

If your cleaning equipment is stolen or a fire breaks out at your business, your business owner’s policy will help you recoup your losses by paying for replacement items or repairs.

Temporary closure

If your business is forced to close temporarily, it could be devastating. Business interruption insurance can protect your business from the financial hit of a forced closure by paying for lost revenue, rent, payroll, and other operating expenses.

For example, if a windstorm causes a leaky roof that results in damage to your cleaning equipment, business interruption insurance can pay for day-to-day business expenses until the equipment is repaired. That gives you the time and money you need to recover without going out of business.

Speak to a licensed Insureon agent to add business interruption coverage to your BOP.

How much does a business owner's policy for cleaning businesses cost?

Cleaning professional calculating cost of insurance for their business.

Cleaning businesses pay an average of $76 per month, or $907 per year, for a business owner's policy.

Cleaning business insurance costs are based on several factors, including:

  • Services offered, such as maid services
  • Cleaning equipment and property
  • Revenue
  • Location
  • Number of employees
  • Policy limits
  • Claims history

Other important insurance policies to consider

Cleaning professionals face unique risks, especially since their work involves physical labor. Beyond a business owner's policy, these policies are recommended for cleaners:

Workers’ compensation insurance: This policy is required in almost every state for cleaning businesses that have employees. It can cover medical costs for work-related injuries and illnesses, such as exposure to harmful cleaning agents.

Commercial auto insurance: Required in almost every state, this policy can pay for property damage and medical bills resulting from an accident involving your company vehicle.

Commercial umbrella insurance: This policy provides additional coverage for liability claims that exceed policy limits on your general liability, commercial auto, or employer’s liability insurance.

Janitorial bonds: These protect cleaning businesses against losses caused by an employee’s dishonesty, such as theft of client property, and are a type of surety bond.

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What types of business insurance do you need for a cleaning company?
General liability insurance, workers' compensation insurance, property insurance, and janitorial bonds keep your cleaning business safe from financial liabilities. Learn more about the types of insurance your business needs to help protect your bottom line.

Get free business owner's policy quotes with Insureon

Are you ready to safeguard your pressure washing, house cleaning, septic tank cleaning, or other cleaning business with a business owner's policy? Complete Insureon’s easy online application to compare quotes from top U.S. insurance companies.

Once you find the cleaning business insurance policies that fit your needs, you can begin coverage and get a certificate of insurance in less than 24 hours.

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Updated: February 5, 2024
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