Cleaning Business Insurance and Bonding: Top Insurance for Cleaning Companies

How to get insurance certificate for cleaning Businesses (GUIDE)

Insurance is a vital part of the business world. From property insurance to liability insurance, it is important to be covered. This article will discuss the different types of insurance that are necessary for a cleaning business.

The insurance market for businesses that provide cleaning services is competitive, with many companies offering different types of coverage. It is important for businesses to compare policies and find the right one for their needs.

There are a number of things to consider when choosing insurance for cleaning companies, such as the cost of coverage and the type of coverage that is most important.

Home cleaning and janitorial companies should have comprehensive insurance policies that cover their finances in the event of an injury to a customer or employee, damage to equipment, or theft. You can learn the ins and outs of buying business insurance and service bonds for cleaning companies and where you can begin looking for a insurance for your cleaning business.

Cleaning Company Insurance Coverage

There are different types of policies available for cleaning companies: general liability and commercial property are the most common. General liability policies cover the company for property damage and bodily injury.
Property damage includes damage to a customer’s property or any other company property. Bodily injury covers injuries to a customer or employee.

Commercial property coverage covers damages to the building, equipment, and contents.

Insurance For Cleaning Business

What's covered under house cleaning and commercial cleaning business insurance?

If your business is cleaning offices, retails or homes, consider getting a insurance that undertand the cleaning business to protect against damage caused by natural disasters, slips and falls, fire and theft.

Most business owners need several policies, and it’s best to purchase them all at once to get the best coverage.

  • Most cleaning businesses (54%) choose $10,000 janitorial bonds.
  • Based on Thimble data, 85% of businesses choose the $1 million coverage limit. However, those with larger businesses can choose a higher limit without paying double the price.
  • Most cleaning professionals chose a general liability policy with a $1 million per occurrence limit and a $2 million aggregate limit.
  • According to a study by the Insurance Information Institute, among cleaning businesses that purchase general liability insurance, 16% pay less than $500 per year and 69% pay between $500 and $1,000


You need to protect yourself against the possibility of a natural disaster, fire, or theft.

Buying multiple insurance policies is a good idea, but you’ll pay more if you buy all your policies at once.

The amount of cleaning business insurance is covered.

  • Natural disasters and claims of property damage can be covered by cleaning business insurance.
  • All policies can be purchased at the same time. The risks that cleaning companies face include employees getting hurt or sick on the job.
  • Employees break or damage client property. employees stole from their clients The company vehicles have been in accidents.
  • Pays out to clients, vendors and other third parties who suffer property damage or bodily injury caused by your company.
  • Covers medical bills for employees who get injured or get sick while on the job.
  • Covers repairs or replacements for your business building, equipment and other assets after a fire and smoke, certain natural disasters or burglary.
  • Pays for property repairs or replacement as well as medical expenses when company vehicles are involved in a road accident.

Your clients may ask you to purchase fidelity bonds, which are also called employee dishonesty bonds.

All cleaning businesses should have general liability insurance

Which provides protection against claims arising from

  • Injuries or property damage caused by the business’s negligence.
  • Business owners in most states are required to have workers’ compensation insurance for employees, and some may also need to provide coverage for contractors.
  • Businesses that have company vehicles should purchase commercial auto insurance, and businesses that own their premises should purchase property insurance.

How to Find Bonding Insurances for Cleaning Companies

If your cleaning business has employees, you should consider purchasing a fidelity bond, also known as an employee dishonesty bond.

Home warranty bonds cover your customer if a service employee steals from them or their home. It protects you against the loss you might suffer as a result.

A janitorial services bond is a good idea for cleaning businesses.

A protection plan that pays your client directly if a theft or loss occurs is called a “fidelity bond.” It’s a must-have for any jewelry business.

Bonding and insuring your home will give you the credibility to approach your potential clients.

How much does cleaning business insurance cost?

The insurance costs for cleaning businesses can vary a lot. It’s not cheap, but it is worth the investment if you are serious about running a cleaning business. Depending on the size of the company and the type of work they do, the premium for a commercial cleaning business can be different. There is a chance that window cleaning is riskier than house cleaning. The average price of liability insurance for a cleaning business is about $530 per year. It is worth paying more for pool and window cleaning, but not if it means paying less for house cleaning. 

What kind of insurance does a cleaning business need?

  • If your business is going to clean houses, apartments, offices or retail stores, you should get insurance. If your business will be cleaning pools, windows, carpets or other surfaces, you may want to add a separate policy for this type of work.

You may have heard other names for cleaning service insurance, such as:

  • General liability insurance
  • Workers Comp liability insurance
  • Business liability insurance 
  • Fidelity bonds
  • Commercial auto insurance
  • Business interruption insurance


How do I know if my cleaning business is covered?

  • Your policy will list the coverages and exclusions that are included in the policy.

Where can you find cleaning business insurance?

The best cleaning business insurance company for you depends on your needs.

It’s a good idea to get fast, inexpensive insurance for your business from a company that sells policies online.

When you need a good cleaning business insurance policy, you’ll want to work with an agent.

Get quotes from at least three different companies to get the best deal on your cleaning business insurance.

Finding affordable rates for any service or product is important. Getting quotes online is a great way to do this.

You will want to make sure that the insurance company you choose has a clean record.

Find out if there have been any complaints filed against the company.

This will give you a sense of how honest they are. It’s also a good idea to look into customer feedback. Do they have an A rating? This means that they have been rated as high quality by their customers. The more customer reviews you see, the better. If they have a solid reputation and lots of positive reviews, you can be sure that you are getting a good deal.

When you do this, it is important to find out what kind of insurance coverage that you need. Most people think that they only need liability insurance, but this isn’t true. You may want property damage insurance, or even business interruption insurance. When you are looking for insurance, you will have to get quotes from several different companies. This will help you determine which one is the best fit for your needs.

Next: Best for getting general liability insurance fast

NEXT Insurance

General liability insurance protects against bodily injury and property damage claims against you for the actions of your employees or agents. It can cover both third party and first party liability.

One drawback is that next doesn’t sell janitorial service bonds.

You can get a quote and buy an insurance policy online from Next in a matter of minutes.

You can add an additional insured policy with no extra charge and get access to your certificate of insurance anytime.

Top insurances for cleaning business:
  • NEXT Insurance
  • Hiscox Insurance
  • Travelers Group
  • Farmers Insurance
  • Allstate Insurance
  • State Farm Insurance
House Cleaning Cost Calculator

Conclusion paragraph:

You can learn about the ins and outs of buying business insurance and service bonds for cleaning companies and where you can begin looking for a insurance for your cleaning business.

You need to be aware of your insurance coverage and make sure you have the right coverage for your business.

Insurance for cleaning companies can be expensive, but it is well worth the money. When it comes to insuring a cleaning business, it is important to know the kind of insurance you need and how much you should be paying. You can find information online about how to buy insurance for cleaning companies and what you should look for in a policy. 

Remember, If you have employees, you will need workers’ compensation insurance. This protects them from any injury or illness that occurs at your business.

Bodily injury and commercial property coverage are important because they protect you from financial losses due to accidents.

3 thoughts on “Insurance For Cleaning Business”

  1. Thanks for explaining how cleaning company insurance can cover natural calamities and claims of property damage. My sister’s planning to open a laundry and cleaning service in our area because there isn’t one yet. I’ll make sure to tell her about business insurance so her business is protected and insured.

  2. Thank you for sharing informative information related to cleaning services and insurance. I learn more through this post.
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