Business Insurance Requirements for Cleaning Businesses in California

Whether you’re a janitor in Silicon Valley or a house cleaner down in Malibu, your goal is to create a safe, clean, and healthy environment for your clients. But to run a successful business, you have to understand the risks that go along with it, too.

If you own your own company or are self-employed, Insureon can help you find the ideal insurance to protect your business and yourself when you need it most. For example, general liability insurance can help cover costs if you are sued by a client for property damage. Commercial auto insurance, which covers vehicles you own for business purposes, protects you while you are in transit or if your vehicle is damaged by theft, weather events, or vandalism. A surety bond acts as proof that you will deliver contracted services.

California law requires every business with employees to carry workers’ compensation insurance, too.

Insureon makes shopping for insurance easy with industry-leading technology that gathers quotes from top U.S. carriers that fit your needs. Read more to find out which policies are most common for cleaning businesses in California, and fill out an application to get your free quotes today.

Find the right insurance policy for your cleaning business

The type of cleaning business insurance you will need depends on a variety of factors, such as the specific type of work you do and the number of workers you employ. The grid below lays out cleaning business insurance options for various business structures.


Business type General liability / BOP Workers' comp Surety bond
Sole proprietor X   X
Partner X   X
Contractor / freelancer X   X
Employer X X X


Here are some details on how these policies can benefit you:

General liability insurance: General liability insurance is the foundation of insurance protection for your cleaning business. Coverage extends to bodily injury, client property damage, advertising injury, and the cost of legal defense. Most commercial leases require you to have this coverage.

Commercial property insurance: Commercial property insurance protects your owned commercial space and business equipment. It can cover expenses to repair or replace your business property if it's stolen, vandalized, or damaged. This coverage can be bundled with general liability insurance in a business owner's policy to save you money on insurance.

Commercial auto insurance: Commercial auto insurance can cover vehicles your business owns or uses for business purposes. If your vehicle is involved in an accident, this policy can cover your liability for the other person's bodily injuries and property damage. It can also pay to repair your car when it is damaged by theft, weather events, and vandalism.

Surety bond: A surety bond assures your clients that the insurance company will reimburse their losses if you can't deliver contracted services. Unlike a typical insurance policy, you must repay the amount your insurer pays on a claim. Cleaning businesses often need this bond before they enter long-term service contracts.

California workers' compensation insurance: Accidents happen. Because of the physical nature of your work, it’s important to be prepared for any job-related injuries and the expenses they can incur. California state law requires that you carry workers’ comp coverage if your business has employees. Sole proprietors would be wise to consider workers’ comp, too. If for any reason you are injured on the job – slipping on a freshly mopped floor, an allergic reaction to cleaning chemicals – workers’ comp can help pay your medical fees and lost wages. The chart below shows common workplace injuries incurred by cleaning businesses in the United States, according to data from the Bureau of Labor Statistics.

Common Workplace Injuries for Maids, Janitors, and Housekeepers

Business insurance costs for cleaning businesses in California

While workers’ comp insurance proves the biggest insurance expense for cleaning businesses in California, several policies are aligned with national median costs, including business owner’s policy, commercial auto, and surety bond insurance.

Median Business Insurance Costs for Janitors and Maids

Save time and money with Insureon

Insureon’s industry-leading technology helps cleaning businesses in California save time and money shopping for insurance by comparing policies from dozens of top U.S. carriers. Simply apply online and review quotes for the policies that best fit your business needs. Our insurance specialists are licensed in California and can answer your questions as you consider coverage.

To help expedite the application process, have this information ready:

  • Workforce details, such as the number and types of employees.
  • Current and projected revenue.
  • Business partnerships.
  • Insurance history and prior claims.
  • Commercial lease insurance requirements.

Apply for free cleaning business insurance quotes today.