Business Insurance Requirements for Cleaning Businesses in North Carolina

North Carolina has plenty to offer cleaning businesses that set up shop here – it has one of the highest rates of maids and housekeepers in the nation. The state's economy is growing faster than the national average, and as the population continues to climb in Raleigh and Charlotte, the need for both residential and commercial cleaning services may also increase. To capitalize on these opportunities, any cleaning business should protect itself with business insurance.

North Carolina state law requires you to have workers’ compensation insurance if you have three or more employees. Clients often need proof of general liability insurance and a surety bond before they'll hire your company. You may also need a business owner's policy to protect your cleaning gear and commercial auto insurance to safeguard business-owned vehicles.

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 North Carolina, 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 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 size.


Business type General liability / BOP Surety bond Workers' comp Commercial auto
1099 or independent contractor X X    
Business owner with employees X X X X
Solo business owner X X    


General liability insurance: General liability insurance is the foundation of a cleaning business’s protection with coverage that 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. Maids, janitors, and housekeepers often need this bond before they enter long-term service contracts.

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, or vandalism.

North Carolina workers' compensation: If an employee is injured on the job, workers’ comp can help pay for medical fees and lost wages. North Carolina requires all small businesses with three or more employees to purchase this policy. Independent contractors or solo business operators can choose to purchase this policy to protect themselves, but it is not a legal obligation.

As you can see in the chart below, cleaning professionals are susceptible to a wide variety of potentially damaging injuries. It’s important to take proper precautions in such a physically demanding job. Even a short time away from work can be a crippling financial blow to you and your business.

Most Common Injuries: U.S. Cleaners and Janitors

Insurance costs for cleaning businesses in North Carolina

North Carolina is a business-friendly state, and insurance prices reflect that. According to an analysis of Insureon applications, the median costs of most types of cleaning business insurance are lower than the national median. Workers’ compensation is the most expensive, but it still costs approximately $500 per year less than the national median. For a plan that includes all of these policies, the total yearly median cost in North Carolina would be $5,088 per year, which is far less than the potential cost of being uninsured.

Median Insurance Costs for North Carolina Janitors & Maids

Save time and money with Insureon

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