Cleaning Business Insurance

Small business coverage customized for cleaning companies

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Personalized liability insurance for cleaning businesses

Whether you run a house cleaning service, a janitorial company, or a specialized operation, cleaning insurance protects you, your employees, and your customers. With the right coverage, you can focus on what makes your small business shine.

The experts at Progressive Commercial can help you find a policy that meets your needs. Call us or start a quote online to learn more about insurance for cleaning businesses.

What is cleaning business insurance?

Cleaning insurance is custom business insurance for professionals in the cleaning industry. Depending on your needs, it can include general liability, workers' compensation, property coverage, and more. Commercial cleaning insurance can help cover costs related to accidents, injuries, or damages that happen on the job.

Why cleaning business insurance is important

Cleaning businesses need a policy flexible enough to protect from common accidents in the industry. With the right coverage, you can avoid paying claims out of pocket, which helps you recover and get back to work.

For example, if a client slips on a freshly mopped floor and gets hurt, business insurance for a cleaning company could pay their medical bills and protect your business from legal claims. Having coverage gives you peace of mind knowing you're financially protected in case of unexpected events.

Business insurance for cleaners might also be required in some situations, especially when interacting with clients or leasing a space. Many landlords and customers expect proof of coverage before working with you. Having the right insurance shows you're professional and trustworthy, which can open doors to new opportunities.

You can easily get a certificate of insurance (COI) when you have a policy with Progressive Commercial. A COI lists your policy details and confirms that you have the coverage your partners and customers expect.

Who needs insurance for a cleaning business?

Businesses and professions that face similar risks can benefit from tailored cleaning business insurance. Examples include:

Janitorial services
House cleaning companies
Maid services
Housekeepers
Window washers
Carpet cleaners
Dry cleaners
Office cleaners

Whether you're running an LLC, operating as a sole proprietorship, or working for a startup, commercial cleaning business insurance provides protections that can keep your business strong.

Types of insurance for cleaning companies

The types of insurance you'll need depend on how your cleaning business operates. Explore the following information to get a good idea of how each coverage works and why you might need it.

General liability (GL)

Covers damage to customer property

General liability insurance for a cleaning company is an important protection that protects your business if you cause injury or property damage to others. It can also cover lawsuits and other claims, like advertising injury. Some clients may require you to have a policy before you can work for them. Learn more about the benefits of GL and the cost of general liability insurance.

Example: Your client asks you to shampoo a rug, and your machine causes it to rip. GL coverage can pay to replace or repair your customer's furnishing.

Business owners policy (BOP)

Combines liability and property coverage in one flexible policy

A business owners policy combines liability coverage with commercial property insurance, which protects the space you own or rent, along with business personal property like supplies and equipment. Learn more about additional BOP coverages and see how this policy can be customized for your business.

Example: The dispatch center where you store your cleaning supplies is damaged in a fire. Your BOP can pay to replace your supplies and repair your workspace. It can also cover lost income and payroll while your business is disrupted.

Commercial auto

Protects your business-owned vehicles and drivers

Commercial auto covers vehicles, like cargo vans, that you rely on for work. Liability is the basic auto insurance coverage required by most states. You can opt for additional commercial auto coverages to enhance protection against theft, vandalism, and single-car collisions.

Example: On the way to a job, your employee rear-ends another car. Your liability coverage can pay for the other driver's injuries and repairs to their vehicle, while collision insurance can cover your company van.

Inland marine

Safeguards your equipment and machinery

This coverage protects the tools and equipment you take to job sites. It can be a good fit for cleaning businesses that rely on expensive, specialized machinery, like commercial vacuums, pressure washers, and carpet steamers. Adding inland marine insurance to your BOP or general liability policy helps make sure those items are covered when you're on the move or working off-site.

Example: You're heading to a client's house, and your carpet scrubber gets damaged in transit. Inland marine insurance can help cover the cost to repair or replace it.

Workers' compensation

Protects workers injured on the job

Workers' compensation covers employees who become injured or sick because of their job and can pay their medical bills, lost wages, and related expenses. Most states have specific workers' comp requirements for businesses with employees. The cost of workers' comp is determined by the size of your company, industry risks, and more.

Example: Your employee has an allergic reaction to a new cleaning solution and needs emergency treatment. Workers' comp can cover their medical bills and lost wages during recovery.

Cyber

Defends your digital information systems

Businesses that store credit card or other sensitive info may want cyber insurance. This coverage pays for services, like data recovery, that can help you bounce back from a breach or cyber attack. The cost of cyber coverage depends on the data you manage.

Example: Your customer database is breached. A cyber policy can cover the costs of recovering your files and investigating what happened. It can also help notify customers and secure your system.

Business insurance for cleaners vs. janitorial services

Insurance for a cleaning business may be broader than insurance for janitorial services. For example, janitorial services may be limited to a specific building, while a cleaning business might travel to multiple job sites and customers' homes.

If you're unsure what kind of protection you need, contact Progressive Commercial to discuss available coverages and get a personalized quote.

How much does cleaning business insurance cost?

Your monthly rate is based on various factors, including the services you perform. For example, a house cleaning business typically dusts, vacuums, and mops, while a commercial cleaning business might wax floors and clean exterior windows. Higher risk generally means higher premiums.

The following information about your business is used to calculate the cost of insurance:

Location
Time in business
Claims history
Coverage choices
Special equipment
Number of employees
Miles traveled for work
Insurance limits

If you routinely travel to job sites or use a vehicle for other work tasks, you might also need a commercial auto policy. The cost of commercial auto insurance will affect the total amount you pay.