Finding the best insurance for cleaning businesses can feel like trying to clean glitter slime out of a carpet — overwhelming and a little sticky. But don’t worry, we did the research for you so you can get back to saving the day for your clients.
After comparing pricing, coverage, ease of use, customer support, and industry reputation, Insurance Canopy stands out as the best overall. It offers cleaning-specific instant coverage and low-cost, flexible add-ons tailored to your needs.
- Best overall: Insurance Canopy — based on comprehensive coverage and affordable pricing
- Bundle business and auto insurance: Progressive
- Flexible coverage with potential discounts: NEXT Insurance
- Short-term coverage for part-time cleaners: Thimble
- Global coverage and multiple policy types: Hiscox
Note: Transparency is one of Insurance Canopy’s core brand values. This guide was created with the most recent and verifiable information available at the time of writing to help our readers identify which provider is best for their business (even if it’s not us).
The Top 5 Cleaning Business Insurance Providers
To help you find the right insurance provider for your cleaning business, here’s a side-by-side comparison of five top-rated options.
Insurance Canopy
Starting Price
$39 / month
Coverage Included
General liability, personal and advertising injury, products – completed operations
Same Day Certificate of Insurance (COI)?
Yes
Buy 100% Online?
Yes
Base Coverage Limit
$2,000,000
Progressive
Starting Price
$526 / year**
Coverage Included
General liability, personal and advertising injury, products – completed operations
Same Day Certificate of Insurance (COI)?
Yes
Buy 100% Online?
No
Base Coverage Limit
$2,000,000
Next
Starting Price
$56 / month**
Coverage Included
General liability, personal and advertising injury
Same Day Certificate of Insurance (COI)?
Yes
Buy 100% Online?
Yes
Base Coverage Limit
$2,000,000
Thimble
Starting Price
$71 / month**
Coverage Included
General liability, personal and advertising injury
Same Day Certificate of Insurance (COI)?
Yes
Buy 100% Online?
Yes
Base Coverage Limit
$2,000,000
Hiscox
Starting Price
$45 / month**
Coverage Included
General liability, personal and advertising injury
Same Day Certificate of Insurance (COI)?
Yes
Buy 100% Online?
Yes
Base Coverage Limit
$2,000,000
**Quotes were obtained by completing applications for each provider (when an online application was available) because with some providers, your actual starting cost may vary based on your location, business size, and annual revenue.
To provide an honest comparison, our buyer persona was a Washington State-based cleaning business with no employees and an annual revenue of $125,000. Since our policy includes general liability and property damage coverage, we ensured these coverages were included in the quotes from other providers.
Insurance Canopy: Best Overall for Small Cleaning Businesses + Most Affordable Starting Cost
| Pros | Cons |
|---|---|
|
|
Pros
- Specialized coverage designed specifically for cleaning businesses
- Lowest starting cost available (Learn more about cleaning insurance costs)
- Fully customizable policy options
- Instant online quote and Certificate of Insurance (COI)
- Backed by an A+ rated carrier
- 24/7 online policy management
Cons
- No option to get a business owner’s policy (BOP)
Starting Cost: $39 per month for $2,000,000 in coverage
Standout Features
- Top-rated commission-free support from real humans
- Manage your claims, policies, and certificates entirely online
- Add additional insureds for as low as $10/year/AI
- Get insured in minutes
Cleaning business insurance from Insurance Canopy offers A+ rated coverage at an affordable price. You can get insured in minutes, add extra protections for your tools, and download your COI instantly. Cleaning insurance is built to help you meet client requirements fast, without breaking the bank.
Progressive: Bundle Business and Auto Insurance in One Place
| Pros | Cons |
|---|---|
|
|
Pros
- Offers both business and commercial auto insurance
- In-house experts help tailor your policy
- Potential discounts when bundling policies (especially commercial auto)
Cons
- Lengthy quote process
- Must speak with an agent to complete coverage setup
- No monthly payment option at checkout
- Requires full upfront payment for a yearly policy
Starting Cost: $526 per year for $2,000,000 in coverage
Coverages Offered
- General liability
- Commercial auto
- Business owner’s policy
- Workers compensation
Standout Features
- Great if you travel for business
- Opportunity to bundle and save through commercial auto + liability packages
Progressive allows you to bundle liability with commercial auto to protect your vehicle and your business. Their team is also available to help you find the right coverage combination.
NEXT Insurance: Flexible Coverage with Potential Discounts
| Pros | Cons |
|---|---|
|
|
Pros
- Up to 25% in discounts for bundling coverage
- Fast online quotes in about 10 minutes
- 24/7 policy management via web or app
- Unlimited free COIs
Cons
- Not ideal for larger businesses (under 50 employees recommended)
- Limited customer support channels (mostly online/chat)
- Limited specialty add-ons compared to traditional carriers
- Claims process is app-based, which may not suit everyone
Starting Cost: $56.08 per month for $2,000,000 in coverage
Coverages Offered
- General liability
- Workers compensation
- Commercial auto
- Tools and equipment coverage
- Contractors’ errors and omissions (E&O)
- Business owner’s policy
Standout Features
- Bundling discounts
- Get instant proof of insurance and unlimited COIs at no extra charge
- Modify coverage anytime via the app
NEXT is great for smaller teams or solo cleaners who want flexible coverage. The app is easy to use, and you can make changes anytime. If you qualify, you can stack savings and still get solid protection.
Thimble: Short-Term Coverage for Part-Time Cleaners
| Pros | Cons |
|---|---|
|
|
Pros
- Buy coverage by the job, hour, day, month, or year
- Instant quote and COI
- No hidden fees for adding additional insureds
- Fully online policy management (or via the app)
Cons
- Hourly or monthly plans may be more expensive in the long term
- Limited phone support (app or email is primary contact)
- Not ideal for businesses that need complex, multi-policy coverage
Starting Cost: $71 per month for $2,000,000 in coverage
Coverages Offered
- General liability
- Business owner’s policy
- Workers compensation
- Professional liability (E&O)
- Business equipment protection
Standout Features
- Flexible policy terms let you pay only when you’re working
- Great for cleaners who work part-time, seasonally, or on contract
- Seamless online experience built for speed and convenience
Thimble offers flexible cleaning insurance with customizable short-term policy periods. This policy-period flexibility makes it a practical option for side hustlers, Airbnb cleaners, or those who work on demand.
Hiscox: Global Coverage and Multiple Policy Types
| Pros | Cons |
|---|---|
|
|
Pros
- Dedicated claims rep assigned when you file
- Worldwide coverage for U.S.-filed claims
- Backed by experienced, licensed agents available by phone
Cons
- Slow quote process because of older user interface
- Fewer digital tools compared to newer insurtech competitors
- Limited bundling options beyond general liability
Starting Cost: $45 per month for $2,000,000 in coverage
Coverages Offered
- General liability
- Professional liability (E&O)
- Business owner’s policy
- Cyber security
- Workers compensation
- Short-term liability
- Medical malpractice
- Commercial auto
- Directors and officers insurance
- Umbrella insurance
- Employment practices liability insurance (EPLI)
Standout Features
- International reach, rare among small business insurers
- Offers a wide range of niche coverage options
- Well-suited to growing cleaning businesses with diverse needs
Hiscox covers a wide range of needs, whether you clean offices overseas or need additional niche protections. It’s especially beneficial for cleaners actively scaling their business.
Questions About Cleaning Business Insurance
What kind of insurance does a cleaning business need?
At a minimum, cleaners should carry general liability insurance to protect against common cleaning claims (like property damage or bodily injury). It’s also smart to have a janitorial bond, which helps cover employee theft if you have a team.
Depending on your services, you may also want to consider coverage for your tools or workers comp (if you have employees).
What is bonding, and why do cleaners need it?
Bonding (also known as a janitorial bond) protects your client if one of your employees steals from them. If a valid claim is made, the client gets reimbursed, and then you’re responsible for paying the bond company back. Many customers won’t hire a cleaner without a bond, and it’s especially important when working alone in someone’s home or office.
Tip: Want a step-by-step breakdown of how bonding works (and how to get it)? We’ve created a guide to help you get your cleaning business bonded and insured.
How much does cleaning insurance cost?
With Insurance Canopy, it starts at $39 / month or $435 / year, which is lower than the national average. Most cleaning businesses across the U.S. pay around $580 per year, though your exact cost depends on your location, business size, and the type of cleaning services you provide.
Which provider offers the best value?
If you’re looking for affordable, specialized coverage made just for cleaners, Insurance Canopy is a top pick. It has one of the lowest starting prices, offers fast online quotes, and lets you get a COI the same day.
Still have questions? We’ve put together a comprehensive FAQ specifically for cleaners, which dives into what each coverage does (and more!).
Cleaning Insurance Isn’t Just Paperwork…It’s Peace of Mind
The best cleaning insurance protects all of the hard work you’ve invested in your business, so you can focus on doing what you do best. Every provider on this list brings something valuable to the table, but Insurance Canopy is our top pick thanks to its affordable pricing, flexible coverage, and no-fuss online tools.
