Cleaning Business Insurance

How Much Is Insurance for a Cleaning Business?

Costs for cleaning businesses vary depending on the type of business insurance coverage and other factors. Our customers paid an average of $67 a month for general liability insurance.¹ The best way to find your business insurance cost is to get a quote.

Who Needs Cleaning Business Insurance?

Our cleaning insurance can help protect businesses offering different types of cleaning services. This includes:

Maids
House cleaning businesses
Pool cleaners
Gutter cleaners
Janitorial services
Window cleaners
Carpet cleaning businesses
Floor waxers
Garbage collectors
Pressure washers

What Insurance Do You Need for a Cleaning Company?

Many cleaning company business owners get a Business Owner’s Policy (BOP). This includes three essential types of insurance coverage to help protect small businesses from common claims that can come up during normal operations. A BOP includes:

General liability insurance to help protect against claims that your cleaning business caused bodily injury or property damage to others.
Commercial property insurance, which helps protect your owned or rented building, equipment, tools and inventory used to run your cleaning business.
Business income insurance to help replace lost income if you can’t operate because of covered property damage.

Each cleaning business faces unique risks. So, you may find that you need to get different types of coverage for more protection. This can include:

Commercial auto insurance to help protect you and your employees on the road if you drive company-owned vehicles for business.
Workers’ compensation insurance to help employees recover from a work-related injury or illness.
Professional liability insurance help cover claims that your business made a mistake in the professional services given.

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Covering Your Cleaning Business Operations

Bodily injury, property damage and lawsuits can impact your cleaning business operations. With the right type of cleaning service insurance, you can get peace of mind knowing you’re protected against common claims.

40% of small businesses are likely to experience a property or general liability claim in the next 10 years.²

Damaged Customer Property

“One of our cleaners was working at a customer’s house when a bottle of bleach spilled on their rug. The customer sued our business because their rug was ruined.”

General liability insurance helps protect your business from claims of bodily injuries and property damage to others.

Cleaning Service Mistake

“I was cleaning a customer’s car interior when one of my tools ripped the passenger seat. The customer filed a lawsuit.”

Professional liability insurance can help cover claims that your business made a mistake in the professional services given. It can help cover legal costs, settlements and judgments.

Covering Your Cleaning Business Team

Your employees play a key role in the success of your cleaning business. If they get hurt or sick and have to miss work, the right type of house cleaning insurance can help them recover and return to work faster.

For every 100 full-time employees, there were 5.4 cases of a nonfatal injury or illness in the carpet and upholstery cleaning industry.³

Employee Slip, Trip and Fall

“While my employee was working at a client’s building, he slipped on a wet floor that he just mopped and sprained his ankle. He had to go to urgent care and couldn’t work for a week.”

Workers’ compensation insurance can help cover an employee’s medical bills if they get a work-related injury or illness. It can also replace most of their lost wages if they can’t work.

Car Accident

“We were on our way to a customer’s house to clean their carpets when we got into a fender bender.”

Commercial auto insurance can help cover property damage and bodily injury claims if you get into an accident while driving a business vehicle for work.

Covering Your Cleaning Business Property

Damaged, destroyed or stolen business property can affect how you operate your cleaning business. With the right cleaning company insurance, we can help repair or replace your business’ property if it gets damaged, destroyed or someone steals it.

There were over 2.74 million car crashes involving an injury in 2019.⁴

Stolen Tools

“I came into work and realized someone broke into our business. They stole my most expensive cleaning tools from the storage closet, and I had no choice but to cancel my appointments.”

You can get Contractors’ Equipment or Contractors’ Tools coverage to help protect the tools you use for your cleaning business.

Fire Damage

“A fire broke out in our cleaning business and destroyed our supplies and inventory.”

Commercial property insurance can help repair damages to your owned or rented building.

Cleaning Insurance That Has Your Back

As an insurance company with over 200 years of experience, we know the unique risks and challenges that your cleaning business faces. From damaged property to employee injuries and illnesses, having the right type of cleaning insurance is essential to run a successful company.

Our specialists are here to help you get the right type of cleaning business insurance for your company. And if you need help with a claim, we’ve got your back.

Get a Cleaning Business Insurance Quote Today

Customized cleaning business insurance made for your company.

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