Business Insurance Requirements for Cleaning Businesses in Texas

There’s a lot of opportunity for cleaning businesses in Texas, which employs the third largest number of maids and housekeeping cleaners in the country: 68,440. You might focus on corporate janitorial work in the Central Business District of Dallas, or perhaps you specialize in cleaning the beautiful mansions of Piney Point Village. Whatever your niche is, business insurance can help you meet client expectations and stay ahead of the competition.

Texas law doesn't require employers to carry workers’ compensation insurance, but larger clients may want proof of this coverage as well as your general liability insurance and your surety bond. A business owner’s policy can safeguard your cleaning equipment so that you can quickly replace it if it's damaged by certain events. Finally, if you have a company-owned vehicle, you'll need commercial auto insurance to protect it.

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 Texas, 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 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 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. Cleaners including 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.

Texas workers' compensation: If an employee is injured on the job, workers’ comp can help pay for medical fees and lost wages. Texas is the only state that doesn’t require you to purchase workers’ comp, but that doesn’t mean you should go without it. An employee can still make a workers’ compensation claim, and then you’ll be responsible for paying the damages out of pocket.

Workplace injuries are always a concern, and cleaning professionals are no exception. Below is a chart that shows the most common injuries to cleaners and janitors in the United States per 10,000 full-time employees. Even a short amount of time away from your business can set you back a great deal, so always make sure you’re working safely.

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

Business insurance costs for cleaning companies in Texas

Texas doesn’t fall too far from the national median in terms of business insurance costs for cleaners. According to an analysis of Insureon applications, the most expensive policy for cleaning companies is workers’ compensation, but it’s a little less costly in Texas than the national median. The second most expensive policy is commercial auto insurance, which you’ll need if you have any work vehicles. All told, the median cost of fully insuring a cleaning business in Texas is $6,621 per year.

Median Insurance Costs for TX Janitors & Maids

Save time and money with Insureon

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