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Tailored Cleaning Business Insurance to Dust Off Your Worries

Sweep away risks with affordable insurance for cleaning mishaps, damage, and lost gear—let your business shine!

Starting At
$26/ month
or $320/year
4.8/5

Professions We Cover

Why Do Cleaning Businesses Need Insurance?

Cleaning businesses face numerous risks every day, from accidental property damage to injuries sustained by employees or clients. Without proper insurance coverage, these risks can lead to substantial financial losses and legal liabilities.

If you shatter a client’s priceless vase...

Whoopsie-daisy! We’ll replace or repair the item in no time.

If a client trips over your equipment...

We’ll flip the bill on the medical expenses.

If you accidentally cause any damage while cleaning...

No worries! We’ll shoulder the damages.

If your cleaning supplies get stolen...

Houdini strikes again? No need to panic, your new cleaning gear is on us!

How Much Does Cleaning Business Insurance Cost?

Cleaning business insurance starts at $26 per month. Here’s a breakdown of what that really means for your wallet:

$26 per month: That’s about the cost of a good dinner. $6.50 per week: Less than the price of your morning latte! $0.87 per day: Cheaper than a pack of gum. $0.04 per hour: Practically pocket change!
$26 per month: That’s about the cost of a good dinner. $6.50 per week: Less than the price of your morning latte! $0.87 per day: Cheaper than a pack of gum. $0.04 per hour: Practically pocket change!

Note: This can vary depending on your business’s gross income, selected coverages, and coverage limit.

What Does Cleaning Business Insurance Cover?

We recommend cleaning businesses add coverages to protect them from accidental property damage, client injuries, chemical mishaps, and lost or stolen supplies. Our recommended coverages are:

Included

General Liability Coverage

Bought by 100% of cleaning business owners like you, general liability coverage 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.

Add-Ons

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.

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. With this insurance, you can keep your cleaning game strong without worrying about unexpected financial messes.

Bonds

Bonds are ‘trust boosters’ for your cleaning business. They reassure your clients that you’ll stick to your promises and clean with integrity. If anything goes amiss, like a mishap or a missing item, the bond steps in to make things right

Additional Insureds

Adding additional insureds is all about giving extra protection to your clients or landlords, so they feel safe and secure knowing they’re covered under your policy. This not only builds trust but also shows that you’ve got everyone’s back, making your business relationships rock-solid.

Workers’ Compensation Coverage (Coming Soon!)

Your cleaning crew is the heart and soul of your business. If they ever get hurt or sick while working, this insurance steps in to cover their medical bills, lost wages, and even helps with their recovery, ensuring they can scrub, mop, and dust with confidence.

What Exclusions Should I Be Aware Of?

When considering insurance for a cleaning business, it’s important to be aware of the following exclusions.

What’s Not Covered?

  • Water removal/extraction, mold remediation, fire, smoke, flood or other disaster services
  • Operations involving construction debris removal
  • Construction, maintenance, repair, renovation, or property preservation service
  • Cleaning of the exterior of buildings and/or power washing other than from the ground level
  • Chimney cleaning
chimney sweep
guy looking puzzled

How Do I Know What Insurance Coverage I Need?

Here are some tips to help you assess your coverage needs based on your business size, equipment, and services offered.

New Business

  • Perfect for new cleaning businesses with minimal client interaction and low-risk environments. Keep it simple but safe!
  • General Liability: $100,000 per incident / $300,000 per year.
  • Tools and Equipment Insurance: $1,000 per incident / $3,000 per policy year (+$3.33/month).
  • Example: You, your mop, and a few cozy homes each week. Easy breezy!

Growing Business

  • For the growing teams with more frequent client meet-and-greets and moderate risk. Let’s keep those mops spinning!
  • General Liability: $500,000 per incident / $1,000,000 per year.
  • Tools and Equipment Insurance: $2,000 per incident / $6,000 per policy year (+$4.58/month).
  • Example: Your small but mighty crew tackling homes and light commercial spots like pros.

Established Business

  • Best for established cleaning champions with a big client base and higher stakes. Time to bring out the big guns!
  • General Liability: $1,000,000 per incident / $2,000,000 per year.
  • Tools and Equipment Insurance: $5,000 per incident / $10,000 per policy year (+$5.00/month).
  • Example: A bustling operation with a crew of experts handling properties and complex jobs like a boss.
  • Note: Our coverage is available for businesses with payroll under $200K and annual revenue under $1.5M.

To Bond or Not to Bond, That is the Question!

A bond provides an additional layer of protection for your clients, ensuring that they are compensated in case of theft or damage caused by your employees. You have the option to:

  • Include: Adding a bond can enhance your business’s credibility and provide peace of mind to your clients.
  • Opt out: If you have a strong reputation and trust with your clients, you might decide not to include a bond.

 

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

$500

$2,000/$6,000

$55

$5,000/$10,000

$60

Have questions?

Our licensed agents are available to answer any questions you may have (se habla español)

Why Cleaning Businesses Choose Insurance Canopy

When it comes to safeguarding your cleaning business, there’s no room for compromise. That’s why cleaning businesses across the country choose Insurance Canopy for peace of mind and reliable protection.

Insurance You Can Rely On

Instant Proof of Insurance & a hassle-free claims process = a zen policyholder 🙏

Simplified Coverage

Comprehensive, personalized insurance for your business – only pay for what you need

Expert Support

Chat with a responsive, multilingual team of experts who provide one-on-one support. For real!

Hear What Our Real Clients Have To Say

  • quick and easy to sign up and did not break the bank!!

    Michael “Michael” Jobe Avatar Michael “Michael” Jobe
    April 8, 2024

    Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More

    Robert Caudle Avatar Robert Caudle
    April 7, 2024

    Easy to apply online, it take 5 mins and get your provf of Insurance.

    Francesca Wine Avatar Francesca Wine
    April 6, 2024
  • I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More

    Lucia Boroczk Avatar Lucia Boroczk
    April 4, 2024

    Just the insurance I needed. I wish the website would allow me to share pages!

    Ellen Brodsky Avatar Ellen Brodsky
    April 2, 2024

    This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.

    Hillary Blackton Avatar Hillary Blackton
    April 2, 2024
  • It was fast and easy.

    Vincent Cabello Avatar Vincent Cabello
    March 31, 2024

    Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More

    Patrick McElhaney Avatar Patrick McElhaney
    March 27, 2024

    Process was easy. Relevant information accessible. Platform is very user friendly.

    Carolina Santos Avatar Carolina Santos
    March 26, 2024
  • The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel

    Lionel Harrison Avatar Lionel Harrison
    March 26, 2024

    I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!

    Aaron Copenhaguen Avatar Aaron Copenhaguen
    March 26, 2024

    Getting insurance is the best thing a fitness professional can do to protect themselves. I feel better knowing Canopy has got my back. Simple and easy to sign up.

    Herman Hildo Avatar Herman Hildo
    March 25, 2024
  • I Am tremendously grateful for the help I received in getting the right understanding of what policy was best to fit my needs! Thank U Canopy and Staff

    Darron Hines Avatar Darron Hines
    March 25, 2024

    Super friendly service..

    Kristina Strong Avatar Kristina Strong
    March 25, 2024

    I was concerned that I wouldn't find a company that could check all the boxes on our coverage wishlist. It only took one quick call and my questions were answered.... Read More

    Greg Hoover Avatar Greg Hoover
    March 25, 2024
  • Reasonable rates for small business owners. It was tough finding a policy that met my needs, but was fortunate to find Insurance Canopy. Highly recommended.

    Kate Whelan Avatar Kate Whelan
    March 25, 2024

    Very easy process to get peace of mind

    Kristen Talusan Avatar Kristen Talusan
    March 25, 2024

    great experience so far, always able to reach a human representative on the phone!

    New Groove Avatar New Groove
    March 25, 2024
  • Insurance Canopy gives me peace of mind for my practice.

    Adriana Chacon Avatar Adriana Chacon
    March 25, 2024

    Great service, affordable insurance, easy to work with.

    Roland Cache Avatar Roland Cache
    March 18, 2024

    The wait was way too long, however it was worth it. The representative that helped me was knowledgeable, patient, and reassuring.

    susan fletcher Avatar susan fletcher
    March 11, 2024
  • Fast procedure with clear price options. Did everything in less than 5 minutes

    Ron Geraci Avatar Ron Geraci
    March 11, 2024

    If you are in the entertainment business this is the best and most easiest insurance to use.

    Dance Smith Productions Avatar Dance Smith Productions
    March 1, 2024

    Very easy set up for a policy and friendly conversation with on line and customer support

    Vito n/a Avatar Vito n/a
    March 1, 2024
  • Site easy to navigate, good price, good customer service.

    Yosie Coronel Avatar Yosie Coronel
    March 1, 2024

    Process went very well. Best price and able to add a secondary insured.

    Jacque Avatar Jacque
    March 1, 2024

    Renewal of policy was smooth and didn't have to do a thing! Excellent customer support! Will refer family and friends. Thank you Insurance Canopy!

    Ram Seetharam Avatar Ram Seetharam
    March 1, 2024
  • Insurance Canopy has some issues when navigating the website. However, they have reasonable rates and seemingly good coverage. I’ve never had to file a claim. So I will make a... Read More

    Gabriel Sherry Avatar Gabriel Sherry
    March 1, 2024

    We have worked extensively with Faith Ortiz and each time it has been a pleasure! Faith is efficient, incredibly knowledgeable, and a joy to work with. Even in situations with... Read More

    Andrew Bawdon Avatar Andrew Bawdon
    February 1, 2024

    Faith has been working with us for a while now and consistently goes out of her way to help us find a solution. We greatly appreciate all her and her... Read More

    Jaimee Gomez Avatar Jaimee Gomez
    February 1, 2024
  • quick and easy to sign up and did not break the bank!!

    Michael “Michael” Jobe Avatar Michael “Michael” Jobe
    April 8, 2024
  • Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More

    Robert Caudle Avatar Robert Caudle
    April 7, 2024
  • Easy to apply online, it take 5 mins and get your provf of Insurance.

    Francesca Wine Avatar Francesca Wine
    April 6, 2024
  • I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More

    Lucia Boroczk Avatar Lucia Boroczk
    April 4, 2024
  • Just the insurance I needed. I wish the website would allow me to share pages!

    Ellen Brodsky Avatar Ellen Brodsky
    April 2, 2024
  • This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.

    Hillary Blackton Avatar Hillary Blackton
    April 2, 2024
  • It was fast and easy.

    Vincent Cabello Avatar Vincent Cabello
    March 31, 2024
  • Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More

    Patrick McElhaney Avatar Patrick McElhaney
    March 27, 2024
  • Process was easy. Relevant information accessible. Platform is very user friendly.

    Carolina Santos Avatar Carolina Santos
    March 26, 2024
  • The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel

    Lionel Harrison Avatar Lionel Harrison
    March 26, 2024

Got Questions? We’re on it.

Chris Graham and his team are always ready to help answer your questions. Sweater and sunglasses not always included.

Want to talk to a real person? We do that too.

Monday to Friday, 9 am – 5 pm MDT
(se habla español)

Sweep Away Stress With Our Insurance

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Exclusions

  • Exterior work over three stories (We’re afraid of heights!)
  • Subcontractor Issues: Accounts with subcontractor exposure that do not have the following risk transfer controls in place (excluded through Contractors Limitation):
    • Contracts in place with hold harmless and indemnification language in favor of the insured
    • Insured obtains Certificates of Insurance verifying that the subcontractor has liability limits equal to or greater than the insured
    •  Insured has Additional Insured status on the subcontractor’s insurance policy
  • Tainted Drywall, Flooring and Similar Products
  • Condominium, Townhouse or Tract Home Construction Projects
  • Exterior Insulation and Finish Systems
  • Subsidence of Land
  • New York Construction or Contracting
  • Metal Gas, Fume and Metal By-Product
  • Unmanned Aircraft
  • Damage to Work Performed by Subs
  • Operations or work involving scaffolding
  • Insurance claim response, water removal/extraction, mold remediation, fire, smoke, flood, or other disaster services
  • Operations involving construction debris removal