Business Insurance Requirements for Cleaning Businesses in Illinois

Whether you’re polishing countertops in a condo along Chicago’s Lake Shore Drive or buffing floors in an office park in Decatur, you fully grasp the hard work it takes to get a cleaning business up and running smoothly. The last thing you want to do is risk the fruits of your labor.

A comprehensive insurance policy can help you manage that risk, starting with a policy such as general liability insurance. This can be your first line of defense if a third party claims bodily, property, or advertising injury. Bodily harm means a slip or fall. If a client says your cleaning crew caused irreparable damage to a vintage heirloom sofa, that's property injury. Advertising injury includes copyright infringement that resulted from advertisements for your business. Your coverage can pay your court costs and help you get your mind back on serving your clients.

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 Illinois, 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 Illinois vary depending on several factors including revenue, client contracts, and partnerships. The table below illustrates which policies might work best for your business.

 

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

 

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.

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 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.

Illinois workers' compensation: All businesses in Illinois with employees must carry workers’ compensation coverage, as mandated by the Illinois Workers' Compensation Commission. If you are a sole proprietor or partner you can exempt yourself, but coverage can still be worthwhile. Given the physical nature of the work, cleaners are susceptible to everything from sprains, strains, and tears to cuts and lacerations. If you or one of your employees is injured on the job, workers’ comp can help pay medical fees and lost wages.

The chart below shows common workplace injuries for cleaning businesses in the United States, according to data from the Bureau of Labor Statistics.

Most Common Workplace Injuries: Cleaners in the U.S.

Business insurance costs for cleaning businesses in Illinois

As someone in the cleaning industry, you understand the importance of details. So how much will these insurance policies cost? As the chart below illustrates, while workers’ compensation averages $4,000 annually in Illinois, insurance policies for cleaning businesses in Illinois typically run at or below the median national costs.

Median Insurance Costs for Illinois Janitors & Maids

Save time and money with Insureon

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