Business Insurance Requirements for Cleaning Businesses in Pennsylvania

Despite Pennsylvania’s sales tax on services like janitorial work and house cleaning, the state still has a healthy number of workers in the cleaning industry, with the fifth highest number of janitors in the country. To take advantage of the opportunities in your state, your business should acquire the right kinds of business insurance.

Pennsylvania requires you to have workers’ compensation as soon as you hire your first employee. Your clients often will require you to have general liability insurance and a surety bond before they entrust your business to clean their homes or commercial spaces. To protect your cleaning equipment, you may consider a business owner's policy. You may also need commercial auto insurance to protect your company-owned vehicle.

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 Pennsylvania, or 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 depend on a variety 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 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’ 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): Small 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.

Pennsylvania workers' compensation: If an employee is injured on the job, workers’ compensation can help pay for the resulting medical fees and lost wages. Pennsylvania requires all small businesses with one or more employees to purchase this policy. Solo business owners and independent contractors may purchase this policy to protect themselves, but it is not a requirement.

On-the-job injuries can set a business back financially. Cleaning professionals are subject to a wide range of potential injuries, and at a higher rate than workers in other industries. Take a look at the chart below and make sure you’re taking proper precautions to keep yourself safe from the most common injuries.

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

Business insurance costs for cleaning businesses in Pennsylvania

The median cost of cleaning business insurance in Pennsylvania is similar to the national median with one notable exception. According to an analysis of applications through Insureon, commercial auto insurance is significantly less expensive in Pennsylvania than it is nationally. You’ll need this policy if you have company-owned cars or trucks, so the savings could be significant for companies that rely on a fleet of vehicles. The total median cost for insuring your cleaning business in Pennsylvania works out to be lower than the national median, too, at $5,613 per year.

Median Insurance Costs for Pennsylvania Janitors & Maids

Save time and money with Insureon

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