Cleaning Insurance Cost & Coverage Guide for 2026
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Cleaning Business Insurance
As a cleaning professional, you make spaces sparkle. But your work comes with risks. A client could slip on a freshly mopped floor, a powerful cleaning solution could damage a surface, or an employee could get injured on the job. An accident can lead to thousands of dollars in unexpected costs that could harm your business. Cleaning business insurance is your financial safety net, protecting you from the spills and tumbles of day-to-day work.
This guide will break down the essential insurance coverages for cleaning businesses, what they typically cost, and how you can get the right protection. We’ve got you covered.
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How much does cleaning business insurance cost?
What is Cleaning Business Insurance?
Your work involves operating in clients’ homes and offices, often using specialized equipment and chemicals. This exposes you to unique risks, from property damage to employee injuries. Cleaning business insurance is a suite of policies designed to protect your company from the financial fallout of these risks. Without it, you could be personally responsible for paying for costly legal fees, medical bills, and property replacement. Many commercial clients will require you to show proof of insurance before you can even start a job, making it essential for growing your business.
How Much Does Cleaning Insurance Cost?
The cost of cleaning business insurance varies, but most owners pay a median price of $33 per month, or about $398 per year, for a policy package. Your final premium will depend on several factors, including your location, number of employees, the types of properties you clean (e.g., residential vs. commercial), and your claims history.
Here’s a look at the median costs1 for the most common policies cleaning businesses purchase.
| Insurance Policy | Median Monthly Cost | Median Annual Cost |
| General Liability | $30 | $354 |
| Workers’ Compensation | $92 | $1,106 |
| Tools & Equipment | $21 | $250 |
1Data from Simply Business customers specializing as a ”housekeeping or maid business” who purchased at least one or a combination of general liability, tools and equipment, cyber, or workers’ compensation policies from July 1, 2024 to December 31, 2024. Reflected price tiers may not include purchase of all available policies under housekeeping insurance.
What Insurance Does a Cleaning Business Need?
General Liability
General liability (GL) typically covers expenses if your company causes someone other than an employee to be hurt or if your company causes property damage. It’s a foundational business insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
Why You Need It:
A client’s employee doesn’t see your “wet floor” sign, slips, and fractures their wrist. Your general liability policy can cover their medical bills and your legal defense costs if they file a lawsuit.
Starting at
$20.83
/month*
Workers’ Compensation
If you have employees — even just one apprentice — most states require you to carry workers’ compensation. This policy covers medical bills and lost wages for employees who get injured or become ill on the job.
Why You Need It:
An employee develops a repetitive strain injury in their shoulder from years of mopping and scrubbing. Workers’ comp can cover their physical therapy and a portion of their lost wages.
Starting at
$38.91
/month*
Inland Marine
Your tools and equipment are vital to your operations. Inland marine insurance, sometimes called “tools and equipment coverage,” allows you to quickly repair or replace your business equipment, reducing downtime and helping you land new work. An inland marine policy also usually covers tools and equipment that you rent or lease – called contractor’s equipment floater.
Why You Need It:
Thieves break into your locked work van and steal your commercial-grade carpet extractor and other supplies. This coverage can help pay to replace them so you can get back to work.
Starting at
$20.83
/month‡
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cleaning business insurance today.
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Business Insurance Made Better — A one-minute explanation
Learn how we’re making finding business insurance fast, easy, and affordable — all in just 60 seconds.
Hi there, we’re Simply Business, and small business insurance is what we do. We work with top insurers who specialize in small business coverage—no one-size-fits-all solutions here. We’ve worked with thousands of business owners like you, so we have a good idea of what different businesses need. We get it: you do one web search, and the results can be overwhelming, and not in a good way. We can save you from that. We’re ready when you are. It takes just a few minutes online—enter some information about your business, and some pretty cool technology shops for great coverage at competitive prices in just seconds. You choose and purchase the coverage that works for you. Not to worry, we’ve got licensed insurance pros to help you over the phone. Then we zip your Certificate of Insurance and other policy documents straight to your inbox. That’s how easy it is to insure your business with Simply Business.
Cleaning Business Insurance FAQs
This can be a gray area. While general liability may cover some accidental property damage, damage caused by using the wrong chemical could be considered “faulty workmanship” and may be excluded. It’s important to review your policy’s specific terms for product use exclusions.
Yes, cleaning higher-risk sites like medical facilities (with biohazard concerns), schools (with high foot traffic), or post-construction sites (with debris and dust) will likely increase your insurance premium due to the greater potential for accidents and liability claims.
Yes — insurance premiums are usually considered a business expense. But always check with your accountant for certain.
Yes, they are typically covered if you have a Tools & Equipment insurance policy (also known as inland marine coverage). This policy is specifically designed to protect your professional gear when it’s in transit or at a job site.
Whether you need coverage depends on your state and if you have employees. But even if it’s not required, we recommend getting insured to financially protect your business. And in some instances, clients or landlords may require it before they’ll work with you.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
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Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.
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