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Comparing Cleaning Company Insurance Providers: Finding the Best Fit for Your Business

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Running a cleaning business comes with its own risks and liabilities. How do you make sure your company is well protected? This is why picking the right cleaning company insurance is vital for success and longevity—not all policies are the same, so choosing the perfect policy for your cleaning business is crucial.

This guide explores how to compare insurance plans and what to consider when comparing insurance providers for your cleaning company, ensuring you make a smart decision for your business’s security and your peace of mind.

The Importance of Cleaning Company Insurance

Think of cleaning company insurance as a safety net, preventing your business from getting caught up in these unforeseen mishaps. Cleaning companies often operate in environments where accidents and damages are more likely to happen—this is why you need cleaning business insurance. Picture a situation where a client slips on a freshly mopped floor, or valuable equipment gets damaged during a job. Without insurance, these incidents could lead to financial nightmares.

Cleaning business insurance coverage acts as a shield against potential liabilities and financial losses. It can handle costs related to property damage, injuries to employees or third parties, and legal expenses. Having cleaning company insurance also gives clients confidence in your business—it builds trust and enhances credibility and professionalism. Clients prefer to hire a properly insured company.

Beyond that, insurance coverage eases the financial strain of unexpected events, ensuring your company can keep operating smoothly. In summary, cleaning company insurance is vital for protecting the business, its employees, and its clients.

woman with mask on wiping down computer

Insurance Needed for a Cleaning Business

Before delving into the different insurance plans available for your cleaning company, let’s explore the various types of insurance needed for your cleaning business and why they are essential for your success in this industry.

General Liability Insurance

General liability insurance for cleaning companies is like a safety cushion that protects your business from financial hits caused by liability claims. It covers bodily injury, property damage, and personal injury claims that might arise during your cleaning operations. This insurance also takes care of legal expenses, medical costs, and damages awarded to the injured party.

General liability insurance is one of the necessary insurance needed for a cleaning business, acting as a shield for your assets and reputation in case accidents occur while providing your services.

Professional Liability Insurance

Professional liability insurance for cleaning companies is like a safety net for any claims that might come up due to negligence or errors in your cleaning services. This insurance protects your business from potential financial losses and legal expenses if a client isn’t satisfied with the quality of your service. Professional liability insurance covers the costs of legal defense, settlements, and damages awarded to the client.

Workers’ Compensation Insurance

Another insurance needed for a cleaning business is workers’ compensation. This is a vital coverage ensuring protection for employees who suffer injuries or illnesses during their job responsibilities. Given the potential hazards in cleaning environments, where employees may handle chemicals or operate heavy machinery, this insurance is a safeguard as it provides medical benefits and wage replacement for injured workers, safeguarding both employees and the company. Not only does workers’ compensation support injured staff, but it also shields the company from potential lawsuits.

In many states, having workers’ compensation insurance is a legal requirement, emphasizing the commitment to maintaining a safe and secure working environment for employees.

Commercial Property Insurance

Commercial property policy protects the physical assets and property owned by a cleaning business. This insurance typically covers office space, equipment, tools, supplies, and other tangible assets from risks like fire, theft, vandalism, or natural disasters. In the unfortunate event of damage or loss to these properties, this insurance ensures the cleaning company can recover without shouldering the entire financial burden, allowing you to resume operations smoothly.

Commercial Auto Insurance

Commercial auto insurance is a specialized coverage for cleaning businesses utilizing vehicles in their operations. This insurance serves as financial protection in the cases of accidents, damages, or injuries that may happen while operating company-owned vehicles or when employees use their personal vehicles for work. Commercial auto insurance covers liabilities for bodily injury or property damage caused by the insured vehicle, including medical expenses and legal costs.

Bonding Insurance

Bonding insurance is a specialized coverage offering financial protection in situations of theft, damage, or dishonest acts committed by employees. Tailored for the unique risks of the cleaning industry, where employees have access to clients’ spaces and belongings, this insurance coverage guarantees clients are compensated for any losses caused by the cleaning company’s staff.

Bonding insurance not only protects clients but also instills confidence, as this assures them they are partnering with a reliable and trustworthy cleaning company.

cleaning crew smiling

Top Cleaning Company Insurance Providers

When exploring insurance needed for a cleaning business, it’s crucial to assess different providers for their specific offerings, strengths, and weaknesses. Here’s a closer look at some top cleaning company insurance providers, along with their pros and cons:


Hiscox is an international insurance specialist, providing a broad array of insurance products and services to businesses and individuals. Aside from cleaning company insurance, they’ve got you covered for different risks, offering protection for property, liability, professional indemnity, cyber liability, and marine insurance.

  • Pros
    • Worldwide Coverage: Businesses insured through Hiscox are covered for work done anywhere in the world, as long as the claim is filed in the U.S., a U.S. territory, or Canada.
    • Online Application Process: You can easily request a quote and purchase your policy through their website.
    • Flexible Payment Options: Provides the option of making monthly payments (with no additional fees).
  • Cons
    • Limited Coverage: For other types of coverage (such as commercial auto insurance and workers’ compensation insurance), Hiscox may refer you to partner websites to get quotes from other providers.
    • High NAIC Complaint Index for Commercial Property and Liability: Suggests an elevated level of consumer dissatisfaction or concerns within that particular segment of the insurance.


Travelers is an insurance company with a rich history spanning over 165 years. They’re well-known for offering diverse insurance products and services, including cleaning company insurance.

  • Pros
    • Coverage Options and Discounts: Offers a wide range of comprehensive coverage options and discounts.
    • Transparency in Workers’ Comp Claims: All parties involved, such as employers, employees, and care providers, can utilize an online portal to monitor the progress of a workers’ compensation claim.
    • Customizable: Allows you to customize a policy to your cleaning business’ specific needs.
  • Cons
    • Lacking Online Convenience: To get a quote, purchase insurance, or add an additional insured to an existing policy with Travelers, working with an agent is necessary. While some claims can be filed online, the availability depends on the specific type of claim.
    • Claim Satisfaction: Has a lower-than-average J.D. Power score for claim satisfaction.


With a legacy dating back to 1925, Acuity has been a key player in providing property and casualty insurance products, such as cleaning company insurance for consumers and businesses across the United States.

  • Pros
    • Outstanding Customer Service: Known for receiving numerous positive customer reviews across various websites.
    • Bundling Packages: Offers a variety of insurance products and includes several perks and incentives.
  • Cons
    • Limited Availability: Acuity is only available in 26 states.


With over 90 years of operational experience, Nationwide has established a robust reputation for reliability and financial stability. They provide a comprehensive range of insurance coverage, including cleaning company insurance.

  • Pros
    • Coverage Options: Offers a wide range of coverage options, including industry-specific policies.
    • Price: Low quoted premiums for general liability policies and BOP.
    • Offers Business Service Bonds: This type of fidelity bond can provide coverage in the event that one of your employees is accused of stealing from a client of your cleaning business.
  • Cons
    • Lacking Online Convenience: You can get a quote but not buy coverage online—working with an agent is necessary. You also need to contact your agent to request a copy of your certificate of insurance.

Next Insurance

Next Insurance is a digital insurance company with a unique focus on delivering insurance policies for small businesses. Their goal is to streamline the insurance process by providing online quotes and tailored policies crafted to meet the distinct needs of various industries.

  • Pros
    • User-Friendly Online Platform: Streamlined online application and policy management.
    • Price: Competitive pricing for small businesses.
      Fast and reliable: Quick approval process.
  • Cons
    • Coverage Options: Next does not offer janitorial service bonds. Also, coverage options may not be suitable for larger cleaning companies with extensive operations.
    • Limited Availability: Next is not available in certain states.


Thimble is your go-to for on-demand insurance coverage tailored for small businesses and independent workers. Offering flexible policies that can be purchased by the hour, day, or month, Thimble ensures individuals have coverage precisely when they need it.

  • Pros
    • Fast and reliable: Offers on-demand insurance with flexible coverage periods.
    • Online Application Process: Simple online platform for quick policy management.
    • Flexible: Coverage is available by the job or by the month.
  • Cons
    • Coverage Options: Thimble does not offer commercial auto insurance. Also, coverage options may not be suitable for larger cleaning companies with extensive operations.
    • Limited Customer Support: Customer support is only available online.

Insurance Canopy

Insurance Canopy is a hybrid of a traditional insurance brokerage and a digital insurance company that assists businesses of all sizes, from entrepreneurs to small businesses to large corporations in finding the best insurance coverage for their business.

  • Pros
    • Specialized Coverage: Offers specialized cleaning company insurance designed for the cleaning industry.
    • Customizable: Allows you to customize policies to suit various business sizes and needs.
    • User-Friendly Online Platform: The Website is designed to be user-friendly, providing a streamlined process for requesting quotes, submitting insurance applications, claims, and managing policies with convenience.
    • Price: Competitive pricing for small businesses.
  • Cons
    • Limited Customer Support: Limited physical office locations for in-person support.

By weighing these pros and cons, you can make an informed decision based on your business’s unique needs, size, and budget. Reach out to multiple providers, obtain quotes, and thoroughly review policy details to ensure you choose a coverage that best protects your cleaning business.

How to Compare Insurance Plans

When navigating the sea of insurance options, a systematic approach acts as your compass. Here are some things to consider when trying to figure out how to compare insurance plans and find the best cleaning business insurance:

Coverage Options

Take a deep dive into what each cleaning company insurance plan brings to the table. Ensure the coverage options align with your specific needs, whether it’s general liability, property protection, or worker’s compensation. Understanding the coverage provided is key.

Cost and Premiums

It’s not just about the numbers. Compare the overall value for the premiums paid. Consider deductibles, co-pays, and any hidden fees. Striking the right balance between affordability and adequate coverage ensures you’re budget-conscious and well-protected.

Policy Limits

Think of understanding the limit of insurance as knowing the boundaries of your insurance safety net. Evaluate the maximum amount the insurance company will pay for covered claims. Ensure these limits match your potential liabilities to avoid surprises when it’s time to file a claim.

Reputation and Customer Service

An insurance company’s reputation is a telltale sign of reliability. Delve into customer reviews, testimonials, and ratings to gauge others’ experiences. Additionally, assess the quality of customer service. A responsive and supportive insurer can make navigating challenges smoother, especially when it’s time for claims.


Recognize that every business is unique, and so are its insurance needs. Seek out insurers offering customization options. Tailoring your insurance plan to your specific industry, size, and risk profile ensures a more personalized and effective coverage.

Is Insurance Canopy Your Ideal Insurance Partner? Get a Quote Now to Find Out!

Securing the right cleaning company insurance is vital for the long-term success of your business. Through a thoughtful comparison of providers and careful consideration of key factors, you can make a well-informed decision that guarantees your cleaning business is protected in various situations.

Consider exploring Insurance Canopy as it stands out among the top contenders for cleaning company insurance. With various coverage options specifically crafted for the cleaning industry, get a quote today to find out if Insurance Canopy is your perfect insurance partner!


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