Why Do Cleaning Businesses Need Insurance?

Cleaning businesses work inside other people's homes and commercial properties every day. That means you face constant exposure to liability claims — accidental damage to a client's property, injuries on the job, or allegations of theft. Without proper insurance, a single claim could put your cleaning business at serious financial risk. Insurance also builds trust with clients and is often required before you can land commercial cleaning contracts.

Essential Insurance for Cleaning Companies

General Liability Insurance: The most important policy for any cleaning business. GL covers claims when you accidentally damage a client's property (like scratching hardwood floors or breaking a fixture), when someone is injured as a result of your work (like a slip on a freshly mopped floor), or when a client alleges your advertising was misleading. Most commercial clients require proof of GL before hiring a cleaning service.

Janitorial Bonding (Surety Bond): A surety bond protects your clients against employee theft. While not technically insurance, bonding is often required by commercial accounts and gives residential clients added confidence. Being "bonded and insured" is a powerful trust signal in the cleaning industry.

Workers' Compensation: Required in most states once you hire employees. Cleaning involves physical labor with risks of back injuries, chemical exposure, and slip-and-fall accidents. Workers comp covers medical bills and lost wages for injured employees.

Commercial Auto Insurance: If you use vehicles to transport cleaning equipment and supplies between job sites, your personal auto policy will not cover business use.

How Much Does Cleaning Business Insurance Cost?

A small cleaning business can typically get general liability coverage for $30 to $60 per month. Adding workers comp, bonding, and commercial auto will increase your total premium based on the number of employees and vehicles. Insura compares rates from carriers experienced in the janitorial industry to find you the most competitive package.

Get Cleaning Business Insurance Quotes

Protect your cleaning business with the right coverage at the right price. Insura compares quotes from top-rated carriers in under 2 minutes. Call 434-597-3944 or start your free comparison online today.