Cleaning Business Insurance

cleaning business insurance

Cleaning Insurance Customized for You

Running a cleaning business means you face unique risks that other companies don’t. That’s why we’ve made it easy for you to customize a cleaning business insurance policy that fits your specific needs.
cleaning business insurance
Cleaning service insurance

How Much Is Insurance for a Cleaning Business?

Costs for cleaning businesses vary depending on the type of business insurance coverage and other factors. Our customers paid an average of $67 a month for general liability insurance.1 The best way to find your business insurance cost is to obtener una cotización.
cleaning company insurance

Who Needs Cleaning Business Insurance?

Our cleaning insurance can help protect businesses offering different types of cleaning services. This includes:
  • Maids
  • House cleaning businesses
  • Pool cleaners
  • Gutter cleaners
  • Janitorial services
  • Window cleaners
  • Carpet cleaning businesses
  • Floor waxers
  • Garbage collectors
  • Pressure washers

What Insurance Do You Need for a Cleaning Company?

Many cleaning company business owners get a Business Owner’s Policy (BOP). This includes three essential types of insurance coverage to help protect small businesses from common claims that can come up during normal operations. A BOP includes:
Each cleaning business faces unique risks. So, you may find that you need to get different types of coverage for more protection. This can include:
House cleaning insurance

Here for You, 24/7

Don’t be left waiting when a job comes your way. Get your certificate of insurance through our online system instantly.

Covering Your Cleaning Business Operations

Bodily injury, property damage and lawsuits can impact your cleaning business operations. With the right type of cleaning service insurance, you can get peace of mind knowing you’re protected against common claims. 
40% of small businesses are likely to experience a property or general liability claim in the next 10 years.2
General liability insurance for cleaning business

Damaged Customer Property

“One of our cleaners was working at a customer’s house when a bottle of bleach spilled on their rug. The customer sued our business because their rug was ruined.”
General liability insurance helps protect your business from claims of bodily injuries and property damage to others.
Janitorial insurance

Cleaning Service Mistake

“I was cleaning a customer’s car interior when one of my tools ripped the passenger seat. The customer filed a lawsuit.”
Professional liability insurance can help cover claims that your business made a mistake in the professional services given. It can help cover legal costs, settlements and judgments.

Covering Your Cleaning Business Team

Your employees play a key role in the success of your cleaning business. If they get hurt or sick and have to miss work, the right type of house cleaning insurance can help them recover and return to work faster.
For every 100 full-time employees, there were 5.4 cases of a nonfatal injury or illness in the carpet and upholstery cleaning industry.3
Workers' compensation insurance for cleaning business

Employee Slip, Trip and Fall

“While my employee was working at a client’s building, he slipped on a wet floor that he just mopped and sprained his ankle. He had to go to urgent care and couldn’t work for a week.”
Workers’ compensation insurance can help cover an employee’s medical bills if they get a work-related injury or illness. It can also replace most of their lost wages if they can’t work.
Public liability insurance for cleaning business

Car Accident

“We were on our way to a customer’s house to clean their carpets when we got into a fender bender.”
Commercial auto insurance can help cover property damage and bodily injury claims if you get into an accident while driving a business vehicle for work.

Covering Your Cleaning Business Property

Damaged, destroyed or stolen business property can affect how you operate your cleaning business. With the right cleaning company insurance, we can help repair or replace your business’ property if it gets damaged, destroyed or someone steals it.
There were over 2.74 million car crashes involving an injury in 2019.4
Cleaning business insurance and boding

Stolen Tools

“I came into work and realized someone broke into our business. They stole my most expensive cleaning tools from the storage closet, and I had no choice but to cancel my appointments.”
You can get Contractors’ Equipment or Contractors’ Tools coverage to help protect the tools you use for your cleaning business.
Average cost insurance cleaning business

Fire Damage

“A fire broke out in our cleaning business and destroyed our supplies and inventory.”
Commercial property insurance can help repair damages to your owned or rented building.

Cleaning Insurance That Has Your Back

As an insurance company with over 200 years of experience, we know the unique risks and challenges that your cleaning business faces. From damaged property to employee injuries and illnesses, having the right type of cleaning insurance is essential to run a successful company.
Our specialists are here to help you get the right type of cleaning business insurance for your company. And if you need help with a claim, we’ve got your back.
Cleaning business insurance quotes

Get a Cleaning Business Insurance Quote Today

Customized cleaning business insurance made for your company.
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Last Updated: November 15, 2023
1 Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
2 The Hartford, “The Hartford Reports: More Than 40 Percent Of Small Businesses Will Experience A Claim In The Next 10 Years”
3 U.S. Bureau of Labor Statistics, “Injuries, Illnesses and Fatalities: Incidence Rates of Nonfatal Occupational Injuries and Illnesses by Industry and Case Types, 2020”
4 National Highway Traffic Safety Administration, “Traffic Safety Facts: National Statistics”
Divulgaciones adicionales a continuación.
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