Cleaning Business Insurance
Sweep away risks with affordable insurance for cleaning mishaps, damage, and lost gear—let your business shine!
- Covers Slip & Fall Accidents – Protection if someone gets hurt on a wet floor
- Meets Job Site Requirements – Get approved for commercial cleaning contracts
- Get Bonded Against Employee Theft – Reassure clients and secure high-value jobs
4.7/5 on
Tailored To Your Cleaning Business Profession
Along with the professions listed below, we also provide insurance for small cleaning businesses, commercial cleaning businesses, residential cleaning businesses, and self-employed cleaners.
Why Do Cleaning Businesses Need Insurance?
Paying a premium for cleaning insurance can feel like just another expense—until a big claim hits. From accidental property damage to injuries sustained by employees or clients, claims in the cleaning industry are more common than you might think! Without proper insurance coverage, these risks can lead to substantial financial losses and legal liabilities.
If you shatter a client’s priceless vase
General liability insurance covers on-the-job property damage.
If a “wet floor” sign goes unnoticed, resulting in injuries
General liability coverage can cover medical and legal fees.
If a client accuses your staff of theft
Janitorial bonds protect your business against claims of employee dishonesty.
If your cleaning supplies get stolen
Tools & Equipment coverage replaces stolen goods, good as new.
How Much Does Insurance For Cleaning Companies Cost?
Our cleaning company insurance starts as low as $39 per month. Several factors can influence the final cost, though, so be sure to understand exactly what goes into your cleaning insurance costs. You can also save up to 12% with annual payments!
“Signing up was easy. It’ll give any client the comfort of knowing that you have coverage.”
Plus, it’s a good, affordable coverage that covers what I need. I definitely recommend it to people—including my son and those in other industries. I tell them to call Insurance Canopy and get covered, because it’s not overly expensive. When other people in the cleaning industry say they’re not insured, I say, “Why? It’s literally $39 per month.”
– Nicole H., Owner of Nothing But Perfection
Protected by Insurance Canopy Since 2022
Recommended Insurance Coverage and Bonds for Cleaning Businesses
Our cleaning business insurance offers general liability coverage required for client contracts. We recommend adding extra coverage for worker injury, employee dishonesty, and theft or loss of supplies. Review excluded activities before purchasing.
Included
General Liability Coverage
General liability insurance (Public Liability) for cleaning businesses protects cleaners from claims related to bodily injury, property damage, or personal injury that may occur during their work. For instance, if a client trips over equipment while the cleaner is working on-site, general liability insurance can help cover medical expenses and legal costs associated with the incident. However, this coverage does not extend to you or your employees; it only protects clients or the public if they are injured on your property or as a result of your employee’s actions.
Add-Ons
Tools and Equipment Coverage
Tools and equipment coverage, also known as inland marine, provides protection for the valuable equipment used by cleaners. This insurance steps in when your trusty tools get damaged or stolen while on the job.
Janitorial Bonds
A staple in the cleaning world, bonds help protect your company against employee dishonesty. Because your staff often works unsupervised among clients’ valuables, this can lead to theft, causing financial loss and damaging client trust.
For the best coverage against theft, combine general liability insurance with a bond. At Insurance Canopy, you can buy a bond starting at $110/year.
Additional Insureds
Adding an additional insured allows another individual or entity to be protected under your policy. This is particularly important for commercial cleaners, as many commercial or government cleaning contracts require that they be added as an additional insured. This ensures that both you and your clients are covered in case any incidents or claims arise on the job.
Cyber Liability Coverage
If your business faces a cyberattack or data breach, this insurance covers the costs of getting back on your feet, like legal bills, notification expenses, and credit monitoring for affected individuals.
Workers Compensation Coverage
Workers compensation for cleaning businesses covers medical expenses and lost wages if an employee is injured on the job. For example, if an employee slips on a wet surface, sustains an injury from heavy lifting, or suffers carpal tunnel from repetitive cleaning, this policy can help cover medical costs incurred.
Required in most states, workers comp not only protects your business from lawsuits and fines but also demonstrates to your team your commitment to their safety.
Commercial Auto Coverage
Commercial auto insurance is essential for cleaning businesses. Whether you’re transporting vacuums, carpet cleaners, or crews between job sites, accidents can occur on the road. Commercial auto insurance covers vehicle damage, medical expenses, and liability claims, from fender benders to major collisions.
Most personal auto policies won’t cover vehicle use for business — making commercial auto insurance required in many states. Protect your business, your drivers, and your equipment every time you hit the road.
Coverage Limits for Cleaning Business Insurance
Maximum Cleaning Liability Insurance Limits
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold, or distributed.
$2,000,000
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
$1,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
$5,000
Optional Coverage Options
Tools & Equipment Coverage
Limits / Occurrence / Aggregate
Premium
Deductible
$1,000/$3,000
$40
$250
$2,000/$6,000
$55
$5,000/$10,000
$60
Have questions?
Our non-commissioned, licensed agents are available to answer any questions you may have!
Monday to Friday, 8 am – 8 pm EST
se habla español
Why Cleaning Businesses Choose Insurance Canopy
For insurance cleaning businesses can trust, look no further than Insurance Canopy.
Affordable & Transparent Policies
Our policies are clear and straightforward, with no hidden surprises—providing reliable protection for your cleaning business.
Tailored for Small Businesses Like You
We’re aware of the unique risks cleaners face. Our coverage is designed to protect your expertise and support your business as it grows.
100% Online With Human Expert Support
Manage everything online with ease, while having expert 1:1 support when you need it. We’re here to assist you every step of the way.
135,000+ Small Businesses Trust Insurance Canopy
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Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
Affordable. Thank you.
Ana Young
April 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025 -
I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025 -
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025
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Thank you so much
Steve Monreal
July 11, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025
Questions You've Asked Us About Cleaning Business Insurance
Our team is always ready to help answer your questions. Smile included.
What insurance do I need to clean?
All cleaning businesses should secure general liability insurance, a common requirement in client contracts. The types of additional coverage needed can vary depending on the nature of the business. For instance, if you frequently transport cleaning supplies, consider tools and equipment coverage to guard against theft. Additionally, bonds are a valuable option in this field, offering protection against employee dishonesty claims.
Is my cleaning insurance policy effective immediately?
Yes—your insurance policy can be immediately active upon purchase! You’ll receive instant coverage confirmation and your Certificate of Insurance (COI) as soon as you complete the online application and payment. You’ll also get a badge for your website, so both prospective and current clients know you’re insured.
How do I cancel or renew my policy?
You have the option to cancel your cleaning insurance with Insurance Canopy at any time. Simply contact our customer service team, and they will guide you through the cancellation process. Check your policy terms for any cancellation fees or refund eligibility to ensure a smooth transition.
Renewing your policy is straightforward. Policies automatically renew at the end of their term to prevent gaps in coverage. You will receive an email notification prior to the renewal, ensuring there are no unexpected charges. Reach out to support if you wish to make any adjustments to your policy.
How do I file a cleaning business claim?
Filing claims with Insurance Canopy is easy! Here’s the fastest route to success:
- Log in to your dashboard
- Find “Manage Policies”
- Click on “File a Claim” and share your info
Once you’re done, a claims adjuster will get in touch to assist you. They’ll be with you every step of the way to ensure the claims process goes smoothly.
What’s the difference between General Liability and a BOP?
General Liability (GL) insurance shields your cleaning business from bodily injury, property damage, or personal injury claims. A Business Owner’s Policy (BOP) bundles GL with business interruption and commercial property insurance, but most cleaning businesses don’t need commercial property coverage. At Insurance Canopy, we skip the BOPs and focus on delivering the essential coverage you need without the unnecessary extras.
Do I need Umbrella Insurance for my cleaning business?
No, your business likely doesn’t require umbrella insurance. This type of insurance enhances your general liability (GL) coverage, usually up to $4 million, for additional protection. However, most cleaning business contracts don’t mandate such extensive coverage. At Insurance Canopy, we prioritize simplicity and don’t provide umbrella insurance, ensuring you get the necessary coverage without unnecessary extras.
Is cleaning business insurance available in my state?
Yes. We currently offer cleaning business insurance in every U.S. state except New York. If you operate outside of New York, you can get covered quickly and easily.
We have state-specific information for top cleaning business states to help you understand local requirements and costs:
Florida Cleaning Insurance
Texas Cleaning Insurance
California Cleaning Insurance
Sweep Away Stress With Our Cleaning Business Insurance
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