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Compare Quotes →Coverage questions for this industry
Cleaning companies often enter client homes or offices, handle property, and may hire employees or use vehicles. Insurance needs usually depend on contracts, state rules, employee status, business vehicles, customer interaction, equipment, property, and whether advice or professional services are involved.
Common policies to research
Ask how this coverage applies to cleaning business insurance guide and what exclusions or endorsements may matter.
Ask how this coverage applies to cleaning business insurance guide and what exclusions or endorsements may matter.
Ask how this coverage applies to cleaning business insurance guide and what exclusions or endorsements may matter.
Ask how this coverage applies to cleaning business insurance guide and what exclusions or endorsements may matter.
Ask how this coverage applies to cleaning business insurance guide and what exclusions or endorsements may matter.
Ask how this coverage applies to cleaning business insurance guide and what exclusions or endorsements may matter.
Risk signals to discuss
- Residential cleaning
- Commercial cleaning
- Bonding questions
- Employee injuries
- Property damage
Before comparing quotes
Prepare annual revenue, payroll, subcontractor use, location, vehicle details, equipment values, prior claims, and copies of contracts requiring insurance. If a client asks for additional insured status or a certificate of insurance, show the exact wording to a licensed professional.
Cost factors to organize
Common quote factors include state, industry, years in business, annual revenue, payroll, prior claims, number of employees, subcontractor usage, vehicle use, coverage limits, deductible choices, property values, and whether customers or workers visit job sites. Keeping these details consistent across quote requests makes comparisons more useful.
Frequently asked questions
What insurance does a cleaning business need to bid commercial contracts?
Most commercial cleaning contracts require general liability of $1M/$2M, a janitorial bond, workers compensation if you have employees, and sometimes commercial auto. Property managers also often request additional insured wording.
How much does cleaning business insurance cost per month?
Solo residential cleaners commonly pay $30 to $60 per month for general liability. Cleaning companies with employees and commercial accounts typically pay $150 to $600+ per month for a full package.
What is a janitorial bond and do I need one?
A janitorial bond, also called a fidelity bond, reimburses clients if your employees steal from them. Many commercial clients and residential customers require it before granting key access to a property.
Does cleaning insurance cover damage to a client's property?
Yes. General liability typically covers accidental damage you cause to a client's building or fixtures. However, the care, custody, and control exclusion can limit coverage for items you are directly handling, so an endorsement may be needed.
Am I covered if a cleaning chemical damages a client's floor?
Chemical damage from your work product is often considered faulty workmanship, which is commonly excluded. Discuss this exposure with an agent so you can add a damage to property of others endorsement if available.
Do I need workers comp for 1099 cleaners?
In most states, if 1099 cleaners do not have their own workers compensation policies, they can be reclassified as employees at audit and you can be charged premium and penalties. Check your state's specific test.
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