Feeling a bit lost when it comes to finding the best cleaning business insurance? With so many options out there, it’s easy to get overwhelmed by what each insurance company offers.
Don’t worry, we’re here to help. Here’s everything you need to know about the best cleaning business insurance and bonding options right now so you can choose the best coverage to fit your business needs!
Top 7 Cleaning Business Insurance and Bonding Companies
Let’s take a look at a few standout cleaning insurance providers and see what they do well (and where they might fall short).
Disclaimer: Competitor pricing and coverage details were pulled in May 2025. Information may have changed. Please confirm all details directly with the provider.
Insurance Canopy: Best for Cleaners Needing Affordable, Specialized Coverage
Cost: Starts at $39 per month
Insurance Canopy’s cleaning insurance blends the best of both worlds: the competence of a traditional insurance brokerage and the convenience of a modern digital insurance company. And it’s easy — you can apply, get an instant quote, and purchase your policy online in a matter of minutes.
Unlike many competitors, Insurance Canopy doesn’t offer a one-size-fits-all approach. Instead, it provides tailored coverages designed specifically for cleaning businesses, including general liability, equipment coverage, cyber liability, workers compensation, and more.
| Pros | Cons |
|---|---|
|
Specialized coverage: Tailored insurance and bonding for cleaning businesses. Coverage options include:
|
Best suited for smaller operations: Streamlined coverage and affordable pricing are ideal for solo cleaners and small businesses. Larger companies with complex needs may find the offerings limited vs. enterprise-focused insurers. |
|
Customizable policies: Whether a solo operation or a growing business, you can customize your policy to meet your specific needs. |
|
|
Easy-to-use online platform: The website makes getting quotes, applying for insurance, submitting claims, and managing your policies smooth and hassle-free. |
|
|
Affordable pricing: Insurance Canopy offers competitive pricing, especially for small businesses looking to keep costs down without sacrificing coverage. |
Pros
Specialized coverage: Tailored insurance and bonding for cleaning businesses. Coverage options include:
- General liability
- Tools and equipment
- Janitorial bonds
- Additional insureds
- Workers compensation
- Cyber liability
- Commercial auto
Customizable policies: Whether a solo operation or a growing business, you can customize your policy to meet your specific needs.
Easy-to-use online platform: The website makes getting quotes, applying for insurance, submitting claims, and managing your policies smooth and hassle-free.
Affordable pricing: Insurance Canopy offers competitive pricing, especially for small businesses looking to keep costs down without sacrificing coverage.
Cons
Best suited for smaller operations: Streamlined coverage and affordable pricing are ideal for solo cleaners and small businesses.
Larger companies with complex needs may find the offerings limited vs. enterprise-focused insurers.
Nationwide: Best for Cleaners Who Prefer Working With an Agent
Cost: Pricing varies (quote required)
Nationwide has built a strong reputation for reliability and financial stability. With more than 90 years of experience, it offers a wide range of insurance options, including coverage for cleaning companies.
Nationwide is different because it offers a traditional, agent-supported experience. It’s ideal for business owners who value personal guidance and need access to service bonds alongside standard coverage.
| Pros | Cons |
|---|---|
|
Coverage options: Offers a wide range of options, including industry-specific policies. |
Limited online convenience: You can get a quote, but not buy coverage online — working with an agent is necessary. You also must contact your agent to request a copy of your Certificate of Insurance (COI). |
|
Price: Budget-friendly premiums for general liability policies and Business Owner Policies (BOPs). |
|
|
Offers business service bonds: Fidelity bonds that provide coverage if one of your employees is accused of stealing from a client of your cleaning business. |
Pros
Coverage options: Offers a wide range of options, including industry-specific policies.
Price: Budget-friendly premiums for general liability policies and Business Owner Policies (BOPs).
Offers business service bonds: Fidelity bonds that provide coverage if one of your employees is accused of stealing from a client of your cleaning business.
Cons
Limited online convenience: You can get a quote, but not buy coverage online — working with an agent is necessary. You also must contact your agent to request a copy of your Certificate of Insurance (COI).
Next: Best for Small Cleaning Teams Looking for Simple, Online-First Coverage
Cost: Starts at $41.67 per month
Next provides customizable, affordable policy coverage designed specifically for small businesses, including general liability, workers compensation, professional liability, and business owner’s policies that bundle general liability and commercial property protection.
Next stands out by offering a streamlined, digital-only experience that’s ideal for small teams. Everything from quotes to coverage is handled online, and you can get discounts for bundling policies — all without speaking to an agent.
| Pros | Cons |
|---|---|
|
Easy online application: Business owners can sign up in minutes. |
Not ideal for larger businesses: Works well for businesses with under 50 employees; larger cleaning businesses may find their plans and pricing less suitable. |
|
Bundled policy discounts: Get up to a 10% discount when bundling multiple policies. |
Limited communication methods: For business owners who prefer traditional communication like phone calls, the entirely online process may feel less personal or frustrating. |
Pros
Easy online application: Business owners can sign up in minutes.
Bundled policy discounts: Get up to a 10% discount when bundling multiple policies.
Cons
Not ideal for larger businesses: Works well for businesses with under 50 employees; larger cleaning businesses may find their plans and pricing less suitable.
Limited communication methods: For business owners who prefer traditional communication like phone calls, the entirely online process may feel less personal or frustrating.
Thimble: Best for Cleaners Seeking Fast, Flexible, Short-Term Policies
Cost: Starts at $38 per month
Thimble offers small businesses insurance for cleaning businesses, including general liability, professional liability, business equipment protection, cyber insurance, and even workers compensation.
Thimble stands out by offering flexible policies you can buy by the hour, job, month, or year. It’s great for independent cleaners or gig workers who need coverage on demand — no long-term commitment required.
| Pros | Cons |
|---|---|
|
Quick online process: Get a quote and purchase insurance in minutes. |
No commercial auto: Doesn’t offer commercial auto insurance, which may be a dealbreaker for businesses that rely on vehicles for their operations. |
|
Flexible coverage options: Purchase insurance by the job or by the month. |
Limited customer support: Customer support is only available online, which can be frustrating for those who prefer phone-based communication. |
|
|
Not a marketplace: Unlike some competitors, Thimble is not a marketplace that shops around for the best rates. You’ll only receive quotes directly from Thimble, limiting options for comparison. |
Pros
Quick online process: Get a quote and purchase insurance in minutes.
Flexible coverage options: Purchase insurance by the job or by the month.
Cons
No commercial auto: Doesn’t offer commercial auto insurance, which may be a dealbreaker for businesses that rely on vehicles for their operations.
Limited customer support: Customer support is only available online, which can be frustrating for those who prefer phone-based communication.
Not a marketplace: Unlike some competitors, Thimble is not a marketplace that shops around for the best rates. You’ll only receive quotes directly from Thimble, limiting options for comparison.
Huckleberry: Best for Cleaners Who Want to Compare Quotes From Multiple Insurers
Cost: Starts at $55 per month
Huckleberry is a digital insurance brokerage that offers instant quotes and coverage from multiple carriers — all in one place. You can get essential policies like workers compensation and general liability, plus optional coverages tailored to industries like landscaping, retail, and more.
Unlike direct insurers, Huckleberry works with a range of providers to deliver real-time quotes, helping you compare options and buy the right coverage, all through a fast, fully online experience.
Note: You can research and purchase insurance directly through Huckleberry’s website. While Huckleberry connects you with licensed insurers, it does not issue policies or make coverage decisions. All quotes and coverage decisions are made by the insurance carriers, based on the information you provide.
| Pros | Cons |
|---|---|
|
Convenient online experience: Huckleberry offers a fully online application and approval process, eliminating the need for paperwork or phone calls with agents. |
Limited customer support: Primarily relies on live chat for customer support, which might be inconvenient for those who prefer phone or in-person interactions for resolving complex issues. |
|
Customizable policies: These allow businesses with unique or specific needs to mix and match coverages from various insurers, providing flexibility. |
Multiple insurers for different coverages: If you need multiple types of coverage, you could end up with policies from multiple providers, potentially complicating claims and policy management. It can also mean higher costs for you compared to providers like Insurance Canopy, which allows you to bundle coverages in one policy. |
|
|
Broker, not a direct insurer: Since Huckleberry is an insurance broker, claims must be filed directly with the insurance carrier, which may create additional steps or delays in the claims process. |
|
|
Policy updates require extra steps: Adding an additional insured requires contacting Huckleberry by phone or online so they can connect you with someone to update your policy. This can be less convenient than insurers that allow self-service updates through an online dashboard. |
Pros
Convenient online experience: Huckleberry offers a fully online application and approval process, eliminating the need for paperwork or phone calls with agents.
Customizable policies: These allow businesses with unique or specific needs to mix and match coverages from various insurers, providing flexibility.
Cons
Limited customer support: Primarily relies on live chat for customer support, which might be inconvenient for those who prefer phone or in-person interactions for resolving complex issues.
Multiple insurers for different coverages: If you need multiple types of coverage, you could end up with policies from multiple providers, potentially complicating claims and policy management.
It can also mean higher costs for you compared to providers like Insurance Canopy, which allows you to bundle coverages in one policy.
Broker, not a direct insurer: Since Huckleberry is an insurance broker, claims must be filed directly with the insurance carrier, which may create additional steps or delays in the claims process.
Policy updates require extra steps: Adding an additional insured requires contacting Huckleberry by phone or online so they can connect you with someone to update your policy. This can be less convenient than insurers that allow self-service updates through an online dashboard.
Hiscox: Best for Cleaners Needing Global Coverage and Flexible Payments
Cost: Starts at $22.50 per month
Hiscox is a global insurance company with a solid reputation for covering businesses of all sizes. In addition to insurance for cleaning businesses, it offers a wide range of protections, including property, liability, professional indemnity, cyber liability, and even inland marine insurance.
Hiscox is different thanks to its global reach and flexible billing. It’s ideal for cleaners who travel for work or need international coverage, and it allows monthly payments without added fees — something most providers don’t offer.
| Pros | Cons |
|---|---|
|
Worldwide coverage: Whether your business takes you across the U.S. or internationally, Hiscox has you covered — as long as the claim is filed in the U.S., U.S. territories, or Canada. |
Limited coverage for some areas: For things like commercial auto or workers compensation, Hiscox might refer you to partner providers for quotes, which means extra legwork on your part. |
|
Simple online process: Easily request a quote and purchase your policy straight from their website — no agent required. |
Higher complaint levels for commercial property and liability: Some customers have had concerns about these areas, so it’s worth investigating their commercial property and liability coverage more thoroughly. |
|
Flexible payment plans: Choose from monthly payments or annual plans. |
Pros
Worldwide coverage: Whether your business takes you across the U.S. or internationally, Hiscox has you covered — as long as the claim is filed in the U.S., U.S. territories, or Canada.
Simple online process: Easily request a quote and purchase your policy straight from their website — no agent required.
Flexible payment plans: Choose from monthly payments or annual plans.
Cons
Limited coverage for some areas: For things like commercial auto or workers compensation, Hiscox might refer you to partner providers for quotes, which means extra legwork on your part.
Higher complaint levels for commercial property and liability: Some customers have had concerns about these areas, so it’s worth investigating their commercial property and liability coverage more thoroughly.
USAA Cleaning Insurance: Best for Military Members and Families Seeking Affordable Coverage
Cost: Starts at $42 per month
USAA offers cleaning insurance that is affordable and convenient for those with ties to the military community. Policies include general liability and workers’ compensation, and online tools for quotes and claims tracking are available.
USAA stands out by combining affordable pricing with military-focused benefits, though eligibility is restricted, making it an excellent option for a specific group.
| Pros | Cons |
|---|---|
|
Online convenience: Easily get quotes and purchase some policies online. |
Limited features: Cannot add additional insureds or file claims online yet, though updates are in progress. |
|
Accessible tools: COI and claim tracking are available through the website. |
Must be USAA-eligible: As with its consumer-focused products, USAA is only available to active or retired members of the military and their immediate family members. |
|
Military-focused coverage: Unique options tailored to the needs of the military community. |
Workers comp issues: Higher-than-expected complaints about workers comp per NerdWallet’s analysis. |
Pros
Online convenience: Easily get quotes and purchase some policies online.
Accessible tools: COI and claim tracking are available through the website.
Military-focused coverage: Unique options tailored to the needs of the military community.
Cons
Limited features: Cannot add additional insureds or file claims online yet, though updates are in progress.
Must be USAA-eligible: As with its consumer-focused products, USAA is only available to active or retired members of the military and their immediate family members.
Workers comp issues: Higher-than-expected complaints about workers comp per NerdWallet’s analysis.
Pro-tip: Get your questions about essential insurance coverage answered in our comprehensive FAQs for Cleaning Professionals guide!
Secure the Best Coverage for Your Cleaning Business!
Choosing the right cleaning company insurance is crucial for your business’s success. You ensure your business is properly covered by comparing providers and considering key factors.
Get a quote today and experience seamless coverage that protects you and your business so you can focus on what you do best — providing top-tier services to your clients.
Questions About Cleaning Business Insurance
How much does cleaning insurance cost?
At Insurance Canopy, we make it easy to get top-notch coverage at a price that fits your budget. Our cleaning business insurance starts as low as $39 per month or $435 per year.
This is below the national average, with most cleaning businesses paying around $580 per year for standard cleaning insurance. The cost of cleaning insurance depends on several factors, such as the size of your business, the services you offer, and the type of coverage you choose.
How do I switch from my current provider to Insurance Canopy?
Switching is simple! Contact us, and we’ll help you cancel your current policy and get the best cleaning business insurance for your needs!
What insurance do I need as a housekeeper?
You’ll want general liability insurance to protect against accidents or damage, along with a janitorial bond for theft coverage. The best housekeeper business insurance usually includes a mix of these coverages and can be tailored to your specific needs.
Get more details about our house cleaning insurance.
Can I clean without insurance?
You can, but it’s risky, so you shouldn’t. Without insurance, you’re exposing yourself to potential claims for accidents or damages. Insurance protects both you and your clients. Plus, many commercial clients, even some residential ones, require insurance proof before hiring you.
Does insurance cover damages caused by subcontractors I hire?
No, damages caused by subcontractors aren’t covered under our policy. Subcontractors should carry their own insurance to protect against mistakes or accidents. Only employees on your payroll are covered under your cleaning business insurance.
Are there differences between residential and commercial cleaning insurance?
Yes! Residential cleaning insurance focuses on home-based jobs, while commercial cleaning covers larger operations, different equipment and cleaning supplies, and more complex risks.
The cost of insurance is often similar for both types, but the number of employees you have can affect your premiums. More staff may require additional workers compensation coverage and can increase cost, as more employees mean more potential risk.
Does insurance cover if my employee steals something from a client?
If you have a janitorial bond, it can provide coverage for employee theft, helping to protect both your clients and your business. However, it’s important to note that proof of theft is usually required for the claim to be valid. Be sure to review the specifics of your policy to understand the coverage details.
