Insureon helps cleaning businesses find insurance and bonds that match their unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
Cleaning companies may need different types of business liability insurance coverage depending on the work they do, client contracts, partnerships, and other factors. These types of insurance offer the best coverage for cleaning professionals in New Jersey.
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.
Small cleaning businesses are often eligible for a business owner's policy. A BOP bundles general liability and commercial property insurance at a discount.
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.
Depending on the specifics of your New Jersey business, you may be required to hold several different types of business insurance policies before you can take on clients or secure commercial cleaning contracts.
To meet state requirements in New Jersey, every small business with one or more employees must provide workers’ compensation insurance. This policy covers medical costs and disability benefits when an employee is injured on the job or develops an occupational illness.
Sole proprietors may not need New Jersey 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.
According to New Jersey state law, business vehicles 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 coverage is the foundation of a cleaning professional's financial protection. This insurance covers legal costs related to accidents that damage a client's property or cause a bodily injury, along with libel and other advertising and personal injuries.
Cleaning businesses in New Jersey may be required to have a general liability policy depending on the counties they work in and the professional services they provide. They also might need it to sign a commercial lease or meet the terms of a client's contract.
Including commercial umbrella insurance can provide additional coverage on commercial general liability insurance and other policies.
A janitorial bond is a type of surety bond that protects your clients from financial loss, like employee theft. Unlike insurance, your bond carrier will expect reimbursement when it pays for a claim. Your clients might request your house cleaning business or janitorial company to secure this coverage.
New Jersey small business owners who buy cleaners' insurance policies from Insureon pay an average of:
General liability: $79 per month
Business owner's policy: $122 per month
Workers' compensation: $181 per month
Insurance companies look at several factors when calculating your cleaning business insurance costs, including:
In New Jersey, you'll need to register your cleaning company with the Division of Revenue and Enterprise Services. Additionally, your local county or city might have their own unique requirements. For example:
If your business offers specialized services like carpet cleaning, you'll likely need to get additional licenses or permits, such as a dry cleaning or water discharge permit. Also, if your business provides janitorial services to commercial buildings, you may be required to carry extra permits or certifications.
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 insurance products 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 type of coverage options for your business insurance needs.