Cleaning Business Insurance and Bonding in Virginia
- Win Trust and Bigger Contracts With Fast Bonding
- Affordable Rates That Last All Year
- Get Hired Faster With Same-Day Certificate of Insurance (COI) Access
or save up to 12% with annual payments
Top Virginia Cleaning Businesses We Cover
Program Benefits
- Built for Virginia cleaners — from Alexandria to Roanoke
- Get insured and download your COI instantly
- Buy online fast — no waiting for quotes
- Pick a plan that fits: monthly flexibility or yearly savings
- Access your policy documents anytime, anywhere
- $0 deductible for general liability claims
- Backed by a trusted, top-rated insurance provider
- Customized coverage for residential or commercial jobs
- Responsive support when you need help
- Streamlined claims process to keep your jobs on track
- Bundle general liability, tools coverage, bonds, and workers compensation
Virginia Cleaning Insurance Coverages (+ their costs)
Accidents, employee theft, and cyber risks can threaten your cleaning business. But with the right insurance in place, you can stay protected. Here’s an overview of the must-have coverages and their costs:
General Liability Insurance
General liability insurance protects you from costs tied to third-party injuries and property damage. Accidents can happen whether you’re cleaning homes in Richmond or offices in Arlington. This coverage helps you handle them without draining your bank account.
Many commercial clients and property managers in Virginia (especially in cities like Virginia Beach, Fairfax, and Norfolk) require a Certificate of Insurance (COI) before hiring. This coverage protects your business and helps you book more jobs and earn trust faster.
Most cleaning business owners in Virginia pay an average of $492 annually, depending on business size, location, and coverage limits.
Our starting price: $435 / year
Tools and Equipment Insurance
Tools and equipment insurance covers your gear, whether stored at a job site, in transit, or in your vehicle. If your vacuums, carpet cleaners, or pressure washers are stolen or damaged, this coverage helps you bounce back fast.
Our starting price: $40 / year
Janitorial Bonds
Janitorial bonds protect you and your clients from losses caused by dishonest acts committed by your employees, such as theft of money or valuables while on the job.
These bonds help build trust with new clients and give your company a competitive edge by showing that you take accountability seriously.
| Bond Option | Annual Cost (starts at) |
|---|---|
|
$5,000 Bond |
$131 |
|
$10,000 Bond |
$175 |
Additional Insureds
When you add someone as an additional insured, their name is listed on your COI. If an incident happens — say a slip-and-fall during cleaning — your insurance is designed to help cover their legal fees or damages.
You can add most additional insureds for just $10 per year per entity. This small cost can make a big difference in winning jobs and building trust.
Workers Compensation
In Virginia, you’re legally required to carry workers compensation if you have more than two employees. This coverage protects your business from the financial impact of workplace injuries, helping you avoid potential fines and legal issues.
Our average price: $1,141.86 / year
Cyber Liability Insurance
Cyber liability insurance protects your business if you store customer information and face a data breach. Even if you’re a small cleaning company, hackers can still target your systems (especially if you take payments online or manage bookings through software).
This coverage helps pay for recovery costs, legal fees, and notifying customers. It’s a smart move if you want to protect your reputation and keep operations running smoothly after a cyber incident.
Our price: $99 / year
Virginia Business Insurance Requirements
If you run a cleaning business in Virginia and have three or more employees (even part-time or seasonal), you’re legally required to carry workers comp. This coverage protects your team if they’re injured on the job and shields your business from costly lawsuits or fines.
While general liability insurance isn’t required by state law, most commercial clients, property managers, and agencies won’t work with you without it. They often request a COI before signing a contract. Skipping this coverage can cost you jobs and limit your ability to grow.
Tip: Not sure which provider offers the best coverage and pricing for your needs? Compare cleaning insurance options to ensure you get the protection and value your business deserves.
Do I Need Bonding for My Virginia Cleaning Company?
If you’re bidding on big contracts (commercial, government, or property management), being bonded isn’t optional; it’s expected. A janitorial bond shows clients you’re accountable, trustworthy, and serious about protecting their property.
Real-world scenarios where a bond pays off:
Your employee swipes a client’s jewelry during a residential cleaning.
The client files a claim. Your bond provider investigates, pays out the loss, and protects your relationship and reputation.
A worker steals your client’s company credit card during an office cleaning.
The bond kicks in to reimburse the client, helping you avoid legal action or a ruined contract.
If your client files a claim and it’s approved, the bond company pays them — but you’re responsible for paying that money back.
How to Apply for Cleaning Business Insurance in Virginia
Getting cleaning business insurance with Insurance Canopy is quick and simple:
- Verify Virginia’s legal insurance mandates (especially for workers comp if you have employees)
- Prepare your business details
- Fill out our short online form — it takes less than 10 minutes
- Get a tailored quote based on your information
- Pay and finalize your policy
We make it easy to get insured. If you’re unsure where to begin, our non-commissioned, licensed agents can walk you through it.
Virginia Cleaning Business Resources
Virginia offers great opportunities for cleaning professionals. Explore these resources to learn how to stay compliant and informed with the latest industry stats.
Cleaning Industry Fast Facts
- Virginia ranks among the top five highest-paying states for building cleaning workers
- The average annual wage for cleaners in Virginia is $46,330, well above the national average
- The residential cleaning market is projected to earn $18.8 billion this year, up 3.2% over the past five years
- The janitorial services industry in Virginia is projected to reach $3.6 billion by 2025, indicating steady growth in the sector
Sources: US Bureau of Labor Statistics, IBISWorld, State Industry Research Reports
Virginia Cleaning License Guidelines
Virginia does not require a state-level cleaning license, but your city or county might. Before launching your business, check with your local city hall, county clerk, or zoning office to see if a local business license, permit, or registration is required. Here’s what you need to cover:
- Register your business with the Virginia State Corporation Commission if you’re forming an LLC, corporation, or partnership
- Apply for a business license locally if required by your city or county
- Apply for an Employer Identification Number (EIN) through the Internal Revenue Service (IRS) website to open business bank accounts and file taxes
- Register your employees with the Virginia Employment Commission
- Obtain workers compensation insurance if you have three or more employees
Tip: Just because the state doesn’t require a license doesn’t mean your city won’t. Double-check with your local government before operating.
Get Instantly Insured Online with Insurance Canopy!
Insurance Canopy provides coverage designed to mitigate the risks that come with operating your cleaning business. From protecting your equipment to covering accidents and theft, we offer policies that keep your business secure.
In a state with high competition and high demand for reliable cleaning services, don’t risk operating without protection. Buy your policy and secure the peace of mind your cleaning business deserves today.
More Helpful Links
- How to Get Your Cleaning Business Bonded and Insured
- Cleaning Insurance for Self-Employed Cleaners
- Starting a Cleaning Business in 2025
- What Licenses Are Needed to Start a Cleaning Business?
- What Happens When a Client Sues? Protecting Your Cleaning Business
- Insurance FAQs for Cleaning Professionals: Everything You Need to Know
