Cleaning Business Insurance Guide (What You Need + Best Options)
Cleaning business insurance protects you from accidents, property damage, and liability risks that can happen while working in clients’ homes or commercial spaces.
Without proper coverage, one incident could cost thousands of dollars and put your business at risk.
In this guide, you’ll learn what insurance you need, how much it costs, and the best options for cleaning businesses.
Quick Answer
Most cleaning businesses need:
• General liability insurance
• Bonding (optional but recommended)
• Workers’ compensation (if hiring employees)
• General liability insurance is the most important and is often required by clients before hiring you.
Table of Contents
SECTION 1
Why You Need Cleaning Business Insurance
Insurance protects your business from unexpected situations that can happen on the job.
This includes:
- Accidental damage to client property
- Injuries on the job
- Claims or lawsuits
- Theft accusations
→ Many clients and commercial contracts require proof of insurance before hiring you.
SECTION 2
Types of Cleaning Business Insurance
General Liability Insurance
This is the most important type of insurance.
Covers:
- Property damage
- Bodily injury
- Legal costs
Bonding (Janitorial Bond)
Bonding helps protect your clients.
Covers:
- Theft by employees
- Damage caused by workers
Helps build trust with customers.
Workers’ Compensation Insurance
Required if you hire employees.
Covers:
- Lost wages
- Employee injuries
- Medical expenses
SECTION 3
Best Insurance Providers for Cleaning Businesses
Thimble (Best for New & Growing Cleaning Businesses)
Why we recommend it:
Thimble is an excellent choice for new and growing cleaning companies looking for affordable insurance, flexible coverage options, and a simple online application process.
Features:
- Affordable insurance policies for startups
- General liability coverage for cleaning businesses
- Flexible monthly payment options
- Instant certificates of insurance
- Fast online quotes and policy approval
- Easy policy management through the Thimble app
NEXT Insurance (Best for Comprehensive Coverage)
Why we recommend it:
NEXT Insurance is one of the best options for cleaning businesses thanks to its affordable pricing, instant online quotes, and coverage specifically designed for service businesses.
Features:
- General liability insurance
- Instant online quotes in minutes
- Certificates of Insurance (COIs) available immediately
- Affordable monthly payment options
- Coverage tailored for cleaning businesses
- Workers’ compensation options Simple online account management
Hiscox (Best for Established Cleaning Businesses)
Why we recommend it:
Hiscox is an excellent choice for established cleaning companies looking for customizable coverage options, higher policy limits, and long-term protection as they grow.
Features:
- Customizable insurance policies
- General liability and professional liability coverage
- Higher coverage limits available
- Strong reputation and financial stability
- Flexible payment options Coverage for growing businesses
- Dedicated claims support
Simply Business (Best for Comparing Insurance Quotes)
Why we recommend it:
Simply Business is great for cleaning businesses that want flexible coverage options. Simply Business helps cleaning business owners compare quotes from multiple top-rated insurance companies in minutes, making it one of the easiest ways to find affordable coverage.
Features:
- Compare multiple insurance providers
- General liability coverage
- Workers’ compensation options
- Fast online quotes Coverage tailored for cleaning businesses
- Instant certificates of insurance
SECTION 4
How Much Does Cleaning Business Insurance Cost?
Typical pricing:
- General liability: $30–$80 per month
- Bonding: $100–$200 per year
- Workers’ comp: varies by state
Costs depend on:
- Coverage limits.
- Business location
- Number of employees
- Type of services offered
SECTION 5
How to Choose the Right Insurance
When choosing insurance, consider:
- Coverage limits
- Monthly cost
- Ease of setup
- Customer reviews
- Type of work you perform
Most cleaning businesses start with general liability and add coverage as they grow.
SECTION 6
Manage Your Business More Efficiently
Once you’re insured, the next step is managing your clients, scheduling, and payments efficiently.
Frequently Asked Questions
Do I need insurance to start a cleaning business?
- Not always required to start
- Strongly recommended
- Often required for commercial jobs
What is the most important insurance?
- General liability insurance
How quickly can I get coverage?
- Most providers offer instant online quotes
- Coverage can be active the same day
Is bonding required?
- Recommended for residential services
- Not required
- Helps build customer trust
Start Your Cleaning Business the Right Way
Protecting your business is essential, but managing your operations efficiently is just as important.
Continue Learning About How to Start a Cleaning Business
If you’re building a cleaning business, these guides will help you continue setting up and growing your company.
• Structure Your Cleaning Business
• Cleaning Business Equipment Checklist
• Best Scheduling Software for Cleaning Businesses
Start Your Cleaning Business Today
If you’re ready to start your cleaning business, these tools will help you get started quickly.
• Form your business
• Open a bank account
• Get insurance
• Set up scheduling software
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