Business Insurance Requirements for Cleaning Businesses in Ohio

If you own a cleaning business in Ohio, you’re in luck. With one of the lowest rates of house cleaners per capita in the country, there’s less competition and more potential clients. However, you often need cleaning business insurance to land those clients and to do business in Ohio.

Ohio requires all employers to have workers’ compensation insurance once they have even one employee. Clients often want proof that you have general liability insurance and a surety bond before they hire your cleaning business. You'll also want to consider a business owner’s policy to protect the cleaning equipment that makes your job possible, along with commercial auto insurance to protect company-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 Ohio, 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 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 Commercial auto Workers' comp
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.

Ohio workers' compensation: If an employee is injured on the job, workers’ compensation can help pay for medical fees and lost wages. Ohio requires all small businesses with one or more employees to purchase this policy. The state runs a monopolistic state-administered workers' compensation fund. Coverage can only be purchased through the Ohio Bureau of Workers' Compensation.

Due to the physical nature of the job, cleaning professionals are often in situations that could result in injury. The chart below shows the most common causes of injuries to cleaning professionals in the United States. To prevent injury to your employees and your bottom line, make sure your working environments are safe, and take proper precautions such as safety training.

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

Business insurance costs for cleaning businesses in Ohio

Most types of cleaning business insurance in Ohio cost less than or about the same as the national median. The one exception is commercial auto insurance, which is required for business vehicles. According to an analysis of Insureon applications, the median cost of commercial auto insurance in Ohio is approximately $2,000 per year more expensive than the national median. The low cost of other types of cleaning business insurance, however, means that you can protect your business at a median cost of $5,663 per year.

Median Insurance Costs for Ohio Janitors & Maids

Save time and money with Insureon

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