Business Insurance Requirements for Cleaning Businesses in Georgia

Running a successful cleaning business is about more than keeping your clients satisfied. It’s about protecting your business, too. From exploring the benefits of general liability insurance, which can protect you in the event of a third-party property damage claim, to learning how a business owner's policy protects your office space and equipment in the event of fire, burglary, or vandalism, our experts can help you find appropriate coverage for your cleaning business.

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

Find the right insurance policy for your cleaning business in Georgia

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

 

Business type General liability BOP / property Bond Workers' comp
Contractor / freelancer / 1099 X X    
Sole proprietor X X X  
Employer / partner X X X X

 

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

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.

Surety bond: A surety bond assures your clients that the insurance company will reimburse their losses if you fail to 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.

Georgia workers' compensation: Georgia state law requires workers' compensation coverage for small businesses with three or more employees. Even if you’re a sole proprietor, workers’ comp can be a smart move. When you’re in the cleaning business, you’re performing physical labor that can take a toll on your body. As you’ll see in the chart below, sprains, strains, and tears are the most common injuries suffered on the job, according to data from the Bureau of Labor Statistics. If you or one of your employees is injured on the job, workers’ comp can help pay for medical fees and lost wages.

Most Common Injuries: U.S. Cleaners & Janitors

Business insurance costs for cleaning businesses in Georgia

One of the biggest considerations for any small business is how much insurance will cost. The chart below illustrates median insurance costs for cleaning businesses in Georgia as compared to the national median. Workers’ comp and commercial auto insurance policies are the most expensive for cleaning businesses in Georgia. However, the costs of a business owner’s policy, general liability policy, and surety bond are all below the $1,000 mark.

Median Insurance Costs for Georgia Janitors & Maids

Save time and money with Insureon

Insureon’s industry-leading technology helps cleaning businesses in Georgia 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 Georgia 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.