Cleaning Insurance Cost

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Cleaning Business Insurance Cost

A spilled cleaning solution damages an expensive rug. You accidentally scratch a client’s hardwood floor while moving equipment. An employee slips and falls while cleaning a wet floor.

As a cleaning business owner, you’re an expert at making homes and businesses sparkle. But how confident are you in buying insurance to protect your business from unexpected financial risks?

Let’s break down what cleaning insurance costs, what affects the price, and how Simply Business makes getting coverage easier and more affordable.

How Much Does Cleaning Insurance Cost?

Depending on your coverages, cleaning business owners pay a median price of $33 per month, or $398 per year.

Here’s a snapshot of what our customers typically pay for cleaning business insurance:

Cleaning Business Insurance Cost per Month¹

Under $25

31% of customers

$25 to $95

63% of customers

Over $95

6% of customers

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 you pay depends on a few key things, including: the type of work you do (commercial, residential), the size of your crew, and the type of coverage you choose. So most cleaning business owners pay less than $95 per month.

While these figures reflect actual policies bought through us, securing a great premium involves more than just data. It’s about partnering with someone who truly understands your business. We team with various reliable insurers to provide tailored options, enabling you to select a policy that fits both your business and your budget.

Coverage Options for Cleaning Insurance

General liability

A foundational coverage to help handle costs from third-party accidents, property damage, and bodily injury.

Contractor’s equipment and small tools

Also known as inland marine insurance, this coverage can financially protect tools and equipment, even if it’s in transport or stored offsite, depending on your policy.

Workers’ comp

Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.

How Much Does General Liability Insurance Cost?

Based on the general liability (GL) policies we’ve sold to cleaning business owners, the median cost is $30 per month, or about $354 per year. It’s a coverage many small businesses owners choose as part of their business insurance.

Here’s a snapshot of what our customers typically pay for general liability insurance:

Monthly General Liability Insurance Costs²

Under $25

33% of customers

$25 to $95

65% of customers

Over $95

2% of customers

²Data from Simply Business customers specializing as a ”housekeeping or maid business” who purchased a general liability insurance policy from July 1, 2024 to December 31, 2024.

What you pay depends on a few key things, including the type of work you do, the size of your business, and the amount of coverage you choose. But most cleaning business owners pay less than $95 a month for general liability insurance.

To learn more about the cost of general liability insurance, check out our helpful general liability cost guide.

How Much Does Contractor’s Equipment and Small Tools Insurance Cost?

As a cleaning business owner, you can expect to pay a median cost of $21 per month, or about $250 per year, for contractor’s equipment and small tools insurance — also known as inland marine insurance. This coverage can financially protect your tools, equipment, and inventory in your work space, onsite, or while on the way to a job.

Here’s a look at what our customers typically pay for contractor’s equipment and small tools insurance:

Monthly Contractor’s Equipment and Small Tools Insurance Costs³

Under $25

85% of customers

$25 to $95

15% of customers

Over $95

0% of customers

³Data from Simply Business customers specializing as a “housekeeping or maid business” who purchased a business property/inland marine insurance policy from July 1, 2024 to December 31, 2024.

The cost of contractor’s equipment and small tools insurance depends on the value of your gear and equipment and the type of work you do. But most cleaning businesses pay less than $25 per month for insurance.

To learn more about this coverage, check out our helpful guide to contractor’s equipment and small tools insurance.

How Much Does Workers’ Compensation Insurance Cost?

Cleaning business owners pay a median of $92 per month, or $1,106 per year for workers’ comp. Most states require workers’ comp for small businesses with full- or part-time employees –– it can help take care of your crew if they get sick or injured on the job.

Here’s a breakout of what our cleaning business owners typically pay for workers’ compensation insurance:

Monthly Workers’ Comp Insurance Costs⁴

Under $150

83% of customers

$150 to $250

11% of customers

Over $250

6% of customers

⁴Data from Simply Business customers specializing as a ”housekeeping or maid business” who purchased a workers’ compensation insurance policy from July 1, 2024 to December 31, 2024.

Your workers’ comp premium is calculated based on the type of work your crew performs, your claims history, and your payroll, among other factors. But most cleaning business owners pay less than $150 a month.

To learn more about workers’ compensation insurance, check out our helpful workers’ comp cost guide.

How Much Will I Pay for Cleaning Business Insurance?

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What Affects Cleaning Business Insurance Cost?

If you’ve been looking for cleaning business insurance online, you’ve likely seen a wide range of prices with little explanation for why they differ. The reality is that insurance premiums hinge on several key factors.

We’re all about making business insurance easy to get and easy to understand, so here are some factors that affect the cost of your insurance:

Type of the work you do

Do you handle residential work, commercial work, or both? Are you or your employees lifting and moving heavy equipment? Is there potential for accidental damage to a client’s valuable belongings or furnishings? The cleaning work you do can require different types of insurance to cover potential risks and costs.

Location

Where you work plays a role, as rates can differ by state and city due to local regulations, risk levels, and other factors.

Number of employees

The size of your crew typically increases the risk of accidents, which can lead to higher workers’ compensation premiums.

Coverage type & limits

The policies and amount of coverage you choose can affect your overall insurance cost.

Your claims history

If you’ve had past claims, that might increase your premium. Have you been in business for years with no claims? That could work in your favor.

Your experience

A business with a good track record can be seen as lower risk, while newer businesses may face higher premiums.

How to Save on Insurance for Your Cleaning Business

Use proper personal protective equipment (PPE), practice safe handling of cleaning products, use signage to create awareness of potential hazards, and keep work areas free of clutter.

If you’ve had claims previously, taking steps to avoid the same type of problems happening again can help improve your skills and minimize risks.

Properly mark and label your gear to deter theft and regularly inspect and maintain your equipment.

Some carriers offer monthly payments, which you can take advantage of to spread out the cost over the year.

Shop around

Simply Business provides customized coverage options from top-rated small business insurers — all in just 10 minutes. We do all the legwork so you can sit back, compare quotes, and save.

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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.

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More Cleaning Business Insurance FAQs

It’s typically one or more policies that can help handle costs that can result from accidentally damaging a customer’s property, having your gear damaged or stolen, taking care of sick or injured employees, and other covered events.

Cleaning insurance can help if a client’s property is damaged, your tools or equipment are stolen or damaged, or an employee becomes ill or gets hurt.

Yes — insurance premiums are usually considered a business expense. But always check with your accountant for certain.

Whether you’re just starting out or have been running a cleaning business for years, mistakes can happen. Having proper insurance can help financially protect you from paying thousands of dollars to settle a claim or defend yourself in court.

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.

You can get a full quote in about 10 minutes — and an estimate even faster, with just 3 quick questions from us.

The Simply Business Difference

We make small business insurance simple — so you can get covered without the hassle. We’re a digital insurance brokerage. That means we’re not tied to one insurer. Instead, we partner with a range of top-rated carriers. With one easy form, you can compare quotes and choose coverage that fits your business, your risks, and your budget.

No hidden costs. No guesswork. Just clear, affordable options built for small business owners like you — so you can move forward with confidence, knowing you’re not overpaying.

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