Cleaning Business Insurance

What Type of Insurance Do I Need for My Cleaning Business?

While every cleaning business is different, there are specific insurance policies we typically recommend for every professional cleaner. Take a look at the types of policies we recommend for cleaning businesses, including what they can cover.

General Liability Insurance for Cleaners

General liability insurance — which is also referred to as commercial general liability (CGL) insurance — covers costs associated with third-party accidents, property damage, and bodily injury.

For example, if you accidentally knocked over a client’s expensive antique vase and broke it during the course of cleaning, your general liability policy can pay for the cost to repair or replace the vase.

Without this type of coverage, your cleaning business would be held responsible for those costs, and if you’re self-employed, those costs might come out of your personal bank account.

General liability insurance usually covers:

General liability insurance usually does not cover:

Learn more about General Liability Insurance.

Contents Coverage for Cleaners

Chances are you’ve invested a lot of money in your cleaning supplies and equipment. That’s why it’s important to add contents coverage to your overall cleaning insurance.

Contents coverage provides financial protection in case your cleaning equipment and supplies are damaged or stolen during the course of your work. If this happens, your policy can cover the cost of repairing or replacing your cleaning supplies and equipment (up to your policy limit).

Our contents coverage can be affordably packaged with our general liability insurance, so be sure to request it when shopping for a quote.

Workers Compensation Insurance for Cleaners

If you have full- or part-time employees, your cleaning business may be legally required to carry workers compensation insurance.

Here’s how workers compensation insurance works: If an employee gets injured on the job, this insurance can cover medical costs and lost wages. Carrying workers compensation can provide much-needed security, as having this coverage in place prevents an employee from suing your business for workplace injuries.

Workers compensation insurance usually covers:

Cleaning Business Insurance FAQs

Finding insurance for your cleaning business doesn’t have to be complicated. Check out our answers to the most frequently asked questions about cleaning business insurance, including helpful links to resources designed just for cleaners like you.

What does cleaners insurance cover?

Cleaners insurance can be customized to cover what you need for your specific business. So whether you need just general liability insurance or want coverage for your cleaning supplies, we can add these policies to your overall cleaners insurance coverage.

How much does cleaning business insurance cost?

The cost of your cleaning business insurance coverage will largely depend on the type of work you’re doing, as well as the risks you face in your day-to-day work. For example, house cleaners may pay less for their insurance than commercial cleaners who remove hazardous materials.

The final price of your cleaning business insurance is usually determined by:

• Number of employees
• Areas you serve
• Services offered
• And more

Want to see how much your cleaning business insurance will cost? Just click here to answer a few questions about your business.

Is cleaning business insurance a legal requirement?

It depends on the state you live in; however, even if cleaning business insurance isn’t required in your state, there are several reasons you’ll want to carry it:

• Cleaning insurance prevents you from paying for property damage and accidents out of your own pocket.
• It covers legal costs in case your business gets sued.
• Customers may not want to hire you unless you have it.
• It can help you get approved for a business license.

Is there a difference between insurance for domestic and commercial cleaners?

The main difference between insurance for domestic cleaners and commercial cleaners is that the policies are usually more tailored for specific risks within their respective industries.

For example, domestic cleaners may need only general liability insurance with a $500,000 policy limit, while commercial cleaners may need general liability insurance with a $2 million policy limit and coverage for their equipment.

If you’re a commercial cleaner, we recommend checking out our janitorial insurance coverage, as it’s customized for cleaners who work at commercial properties.

Do I need a license to clean houses?

You may need a business license in order to clean houses, depending on your state of residence. In most cases, you can’t get approved for a license without business insurance, so we recommend getting coverage before you apply.

Why Choose Simply Business?

Simply Business is an online business insurance brokerage that lets you compare and buy policies from top insurers. We have over a decade of experience in making business insurance clear and simple for our customers.

We pride ourselves on making business insurance:

• Fast and Affordable: You have better things to focus on, like running your business. Our policies are fast, affordable, and ready when you are.
• Tailored to You: Forget one-size-fits-all insurance. Get the exact protection your business needs, when you need it most.
• Flexible with Coverage: Whether you need increased coverage for the busy season or a policy for a big project, Simply Business can help.

After all, you’ve worked hard to build your cleaning business. That’s why we offer the best coverage to protect it.