Cleaning business insurance built for the work you do

A typical program combines general liability for slip-and-fall and property damage claims, a janitorial bond for employee theft, workers compensation for on-the-job injuries, tools and equipment coverage, and commercial auto. Cleaners working inside client spaces often add care, custody, and control to cover damage to property in their care.

Most small cleaning businesses pay $700 to $2,000 per year for a basic package. A solo residential cleaner with liability and tools coverage may pay $600 to $1,000, a small crew with a vehicle $7,000 to $9,000, and a midsize janitorial company $15,000 to $20,000 or more. Workers compensation is usually the largest single cost.

Often yes. A janitorial bond, also called a surety bond or employee dishonesty coverage, reimburses a client if one of your employees steals from them. Many commercial and government contracts require it, and it builds trust even when it is not required. It averages only about $11 per month.

Most commercial property managers and facilities require proof of general liability, workers compensation, and often a janitorial bond before they will sign a contract, and they usually ask to be added as an additional insured. Insurance is rarely required by law, but it is required by the clients who award the contracts.

General liability covers damage you cause to a third party, but property in your care while you clean it can fall under a care, custody, and control exclusion. Cleaning businesses often add a care, custody, and control endorsement so an accidentally damaged countertop, floor, or electronic is covered. We make sure that gap is closed.

In most states, yes, once you have employees. Cleaning is a higher-injury trade, and the Bureau of Labor Statistics reports janitorial injury rates above the private-industry average, so workers compensation protects both your staff and your business from injury lawsuits. It is usually the largest part of a cleaning company premium.