Learn about business insurance requirements and the most common policies for cleaning businesses in California.
Cleaning companies may need different types of insurance depending on the work they do, client contracts, partnerships, and other factors. These policies offer the best coverage for cleaning professionals in California.
A general liability policy covers common cleaning risks, such as client property damage and bodily 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.
A BOP bundles general liability and commercial property insurance, typically at a lower rate than if the policies were purchased separately.
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.
To meet state requirements in California, every small business with employees must provide workers’ compensation insurance, which covers medical costs and disability benefits when an employee is injured on the job or develops an occupational illness.
Sole proprietors may not need workers' compensation coverage for their cleaning business license, but it's still a good idea to carry this insurance. Personal health insurance doesn't cover work-related injuries, so it can save you from out-of-pocket medical expenses.
Business vehicles in California must be covered by a commercial auto policy.
Commercial auto insurance protects vehicles owned by your cleaning services business. It covers property damage and medical bills in an accident, along with vehicle theft, weather damage, and vandalism.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).
General liability insurance is the foundation of a cleaning professional's protection. It covers legal fees related to accidents that damage a client's property or cause a bodily injury, along with libel and other advertising injuries.
Cleaning businesses in California may be required to have a general liability policy depending on the counties they work in and the type of work they do. They also might need it to sign a commercial lease or meet the terms of a client's contract.
Adding commercial umbrella insurance can boost the coverage limits on commercial general liability (CGL) insurance and other policies.
In California, while there's no statewide requirement for a general business license, your county or city might have their own requirements. For example:
Additionally, if your cleaning business offers specialized services, such as carpet cleaning, pressure washing, or janitorial services, you may need to obtain a contractor's license or specialized local permit for that service.
Different than a janitorial bond, your cleaning business may be asked to carry license or permit bonds. These bonds assure local agencies and your clients that your business will complete a project in accordance with the law, building codes, and other regulations.
Looking at your municipality's requirements before starting your cleaning services business is a key step, as they'll be able to tell you which licenses, bonds, permits, and fees you need to acquire or pay.
Whether you're looking for cleaning liability insurance for self-employed professionals or a multi-person operation, you'll need to have some basic info about your business on hand to get free quotes. This includes your annual revenue, years of experience, and number of employees.
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 types of coverage options for your cleaning business needs, whether you work independently or have several employees working for you.