Business Insurance Requirements for Cleaning Businesses in Florida

Perhaps you provide janitorial services in Jacksonville, or maybe you’re a house cleaner in Miami. Regardless, you understand the importance of creating a cleaner, brighter environment for your clients. But as a small business owner, you also need to understand the importance of protecting your business.

The search for insurance can feel like a daunting task. However, it’s not so bad once you learn more about the types of insurance that are available. For instance, SPICE (specialty property insurance coverage endorsement) addresses the unique risks many cleaning businesses face by extending coverage to property in transit and at client locations. It also adds $25,000 of basic business interruption insurance at selected client locations and can cover employee theft, forgery and alterations, and money and securities.

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 Florida, and start an application to get your free quotes today.

Find the right insurance policy for your cleaning business

The most common policies for cleaning businesses in Florida vary depending on a number of factors, including revenue, client contracts, and partnerships. The table below illustrates which policies might work best for your business.


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


Here are some additional details:

General liability insurance: General liability insurance is the foundation of a cleaning business’s protection. 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.

Professional liability insurance: Many clients require proof of professional liability insurance before entering contracts for professional services. This policy, also called errors and omissions insurance or cleaning business liability insurance, can help cover legal expenses if you’re sued for unsatisfactory work or a business discrepancy.

Business owner's policy (BOP): Cleaning businesses sometimes qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability at an affordable rate.

Florida workers' compensation: Florida state law requires workers’ compensation insurance coverage for all small businesses with four or more employees. But you should still consider a workers’ comp policy for yourself if you’re a sole proprietor, as on-the-job accidents are always a possibility. You could trip over a vacuum cleaner cord, or be exposed to an unsafe amount of cleaning chemicals. If you or an employee is injured on the job, workers’ comp can help pay for medical fees and lost wages. The chart below shows the most common injuries sustained by janitors in the United States, according to the Bureau of Labor Statistics.

Most Common Injuries: U.S. Cleaners and Janitors

Business insurance costs for cleaning businesses in Florida

While the costs for cleaning business insurance in Florida trend higher than national levels, the median price of general liability insurance, $723, is more than $100 less than the national median. The specific nature of your cleaning business may affect your rates.

Median Insurance Costs for Florida Janitors & Maids

Save time and money with Insureon

Insureon’s industry-leading technology helps cleaning businesses in Florida 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 Florida and can answer your questions as you consider coverage.

To make the application go even quicker, 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.