Cleaning businesses work inside clients' homes and commercial properties — creating significant liability exposure for property damage, theft allegations, and employee injuries. Our cleaning business insurance packages are built for the janitorial industry.
Coverages we place
General liability for property damage (broken items, chemical stains)
Workers' comp for slip-and-fall, chemical exposure, and repetitive strain
Janitorial bond (dishonesty bond) protecting against theft claims
Commercial auto for cleaning vans and transportation
Tools & equipment for vacuums, pressure washers, and supplies
Business income for contract loss after covered events
Umbrella liability for large commercial cleaning contracts
Pollution liability for chemical spills and hazardous waste
A janitorial or dishonesty bond protects your clients against theft by your employees. Most commercial cleaning contracts require one. It's affordable — typically $100–$500/year.
How much does cleaning business insurance cost?
A solo cleaner can expect $500–$1,500/year for GL. Companies with employees add workers' comp, which depends on payroll. Full packages for 5-10 employees typically run $3,000–$8,000/year.
Do I need insurance for residential cleaning?
Absolutely. Working in clients' homes exposes you to property damage and theft claims. Most homeowners and property managers require proof of insurance and bonding.