Cleaning Business Cost Guide · 2026
How much does cleaning business insurance cost in 2026?
Published figures by coverage and cleaning type, each with its source, plus the levers that move your premium.
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Quick Answer: Cleaning businesses that buy through Insureon pay a median of $59 per month for general liability, $114 for workers compensation, and $9 for a janitorial bond. Those are published medians for small business owners, not quotes. Your price depends most on payroll, the kind of cleaning you do, the limits your contracts ask for, and your state.
On this page
Cost by coverage • Cost by cleaning type • What drives the price • How to lower it • FAQ
Cleaning business insurance cost by coverage
Insureon publishes what the cleaning businesses that buy through it pay. These are its medians, updated August 28, 2026. General liability and the business owners policy are shown at $1 million per occurrence and $2 million aggregate.
| Coverage | Median cost |
|---|---|
| General liability | $59 per month ($705 per year) |
| Business owners policy (BOP) | $81 per month ($968 per year) |
| Workers compensation | $114 per month ($1,364 per year) |
| Commercial auto | $250 per month ($3,001 per year) |
| Janitorial bond | $9 per month ($112 per year) |
| Commercial umbrella | $76 per month ($906 per year) |
Your exact number
Published figures are a starting point. Get the real cleaning business insurance premium for your business in about two minutes.
A few quick questions and nothing to upload. We shop it across our markets, and a licensed producer replies within one business day with the number and what drives it.
Source: Insureon, cleaning business insurance cost page, updated August 28, 2026. These are medians for the small cleaning businesses that bought through Insureon, not quotes. Insureon also reports that 40% of its cleaning customers pay less than $50 per month for general liability and 79% pay less than $100. We do not publish price ranges of our own.
Add up only the lines you need. A solo cleaner with no employees and no company vehicle needs fewer of them than a crew. Workers compensation is priced on payroll and commercial auto on each vehicle, so a crew pays well above these medians. Nobody publishes a reliable figure by crew size, so we will not guess at one.
General liability and a janitorial bond are what commercial clients ask for most often. Workers compensation is the line that grows fastest once you have employees. See what each coverage does on our cleaning business insurance page.
Cost by cleaning type
What you clean changes your general liability rate. House cleaning is the least expensive type Insureon reports and pool cleaning the most. Outdoor and equipment-heavy work costs more to insure than house cleaning.
| Type of cleaning | General liability, median |
|---|---|
| House cleaning | $51 per month ($608 per year) |
| Janitorial | $60 per month ($725 per year) |
| Carpet and upholstery cleaning | $73 per month ($871 per year) |
| Pressure washing | $73 per month ($879 per year) |
| Window cleaning | $78 per month ($931 per year) |
| Pool cleaning | $95 per month ($1,143 per year) |
Source: Insureon cost pages for house cleaners, janitorial services, carpet and upholstery cleaners, pressure washing, window cleaners and pool cleaners, each updated September 2026. Workers compensation medians run from $100 per month for house cleaners to $147 for pressure washing.
What drives your cleaning business premium
Employees and payroll
Workers compensation is priced on payroll, so it grows with every hire. In Illinois you must carry it once you have one employee, even a part-time one (Illinois Workers' Compensation Commission).
Services offered
Insureon lists pressure washing and pool cleaning as costlier to insure than house cleaning. Work at heights, pressure equipment, and chemicals all raise the rate.
Limits, bond, and location
Higher liability limits and larger bonds add premium, and rates differ by state. Carry the limits your contracts ask for.
Claims history and vehicles
A clean loss run lowers your rate, while company vehicles and employees driving for work add commercial auto cost.
How to lower your cleaning business insurance cost
Start by matching your limits and bond to what your contracts actually require rather than over-buying. Bundling general liability and property in a business owners policy usually beats buying them separately, and classifying payroll correctly while running a basic safety program is the most effective way to control workers compensation, the line that grows with payroll.
A clean claims history and higher deductibles lower premium too. As an independent brokerage, we shop specialty cleaning and janitorial markets that direct-to-consumer sites cannot reach, and we add a commercial umbrella only when your accounts call for it. The goal is the right coverage at the best available price, not the cheapest policy that leaves you exposed.
Cleaning business insurance cost FAQ
How much does cleaning business insurance cost per month?
Insureon, which publishes medians for the cleaning businesses that buy through it, reports $59 per month for general liability, $81 for a business owners policy, $114 for workers compensation, $250 for commercial auto, and $9 for a janitorial bond. Your total depends on which of those you need. A solo cleaner with no employees and no company vehicle needs fewer of them than a crew.
How much is general liability for a cleaning business?
The median Insureon reports is $59 per month, or $705 per year, at $1 million per occurrence and $2 million aggregate. By type of cleaning it runs from $51 per month for house cleaning to $95 for pool cleaning. State, payroll, and claims history move the number.
How much does a janitorial bond cost?
The median Insureon reports is $9 per month, or $112 per year. A janitorial bond reimburses a client if one of your employees steals from them, and many commercial clients ask for one before they hire you.
How much is workers compensation for a cleaning business?
The median Insureon reports is $114 per month, or $1,364 per year. It is priced on payroll, so it grows with every hire. Illinois requires it as soon as you have one employee, even a part-time one.
Does the type of cleaning I do affect my premium?
Yes. Insureon's general liability medians run from $51 per month for house cleaning and $60 for janitorial work to $73 for pressure washing and carpet cleaning, $78 for window cleaning, and $95 for pool cleaning. Work at heights, pressure equipment, and chemicals raise the rate.
How can I lower my cleaning business insurance cost?
Match your limits to what your contracts actually require, bundle general liability and property in a business owners policy, classify payroll correctly and run a safety program to control workers comp, keep a clean claims history, and let an independent broker shop specialty cleaning markets.
Get your exact cleaning business price
A licensed advisor will shop carriers for your liability, bond, and workers comp, then get the certificate your client needs. No pressure.
Get My Cleaning Quote Call 833-776-4671Reviewed by Neal Fusco, VP Commercial Lines
25+ years placing commercial coverage for service businesses across Illinois and 40+ states.