Cleaning Business Insurance

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

Starting At

$39/ month

Or save 12% with annual payments
4.8/5
A smiling woman wearing a cleaning uniform and orange gloves, leaning on a vacuum cleaner in a professional portrait. In the bottom-left corner, there is a certificate featuring the name 'Jane Doe of Jane Doe’s Cleaning Business,' showcasing insurance coverage provided by Insurance Canopy.

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

Accidents happen! We’ll replace or repair the item in no time.

If a “wet floor” sign goes unnoticed, resulting in injuries

We’ll flip the bill on the medical expenses.

If a client accuses your staff of theft

Get bonded and protect your business against claims of employee dishonesty.

If your cleaning supplies get stolen

No need to panic, your new cleaning gear is on us!

How Much Does Insurance For Cleaning Companies Cost?

Our cleaning company insurance starts as low as $39 per month. There are several factors that can influence the final cost, though, so be sure to understand exactly what goes into your cleaning insurance costs.

Through our 100% online application, you can get a no-hassle quote based on your exact business needs in less than 5 minutes!

Save when you choose annual!

Why juggle monthly payments when you can take care of it all at once? Save 12% when you pay $435 upfront for the year, and kick back with the peace of mind that your cleaning insurance is all set. It’s like giving yourself a little gift of convenience!

What Does Cleaning Business Insurance Cover?

We recommend small cleaning businesses add coverages to protect them from accidental property damage, client injuries, chemical mishaps, and lost or stolen supplies. Be sure to check out the 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

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.

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.

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.

Get notified when workers compensation is available in your state!

Commercial Auto Coverage (Coming Soon!)

Using commercial vehicles to travel to and from job sites? Make sure you have commercial auto insurance for your cleaning business. This insurance is designed to compensate you for financial loss if one of your vehicles is in an accident or encounters another problem covered by your policy.

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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!

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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.

100,000+ Small Businesses Trust Insurance Canopy

  • Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

    Fernando Ferreira Avatar Fernando Ferreira
    October 12, 2024

    Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

    Jacob Smith Jr Avatar Jacob Smith
    October 7, 2024

    Rey was amazing. So easy! So fast!

    Herman Koch Avatar Herman Koch
    September 30, 2024
  • Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.

    Mark Paquin Avatar Mark Paquin
    September 14, 2024

    She is positive and friendly !

    Alan Dynin Avatar Alan Dynin
    September 14, 2024

    Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂

    Alana Wyld Avatar Alana Wyld
    September 14, 2024
  • Affordable plan and very easy to access when I need it

    Angela Lobianco Avatar Angela Lobianco
    July 13, 2024

    Always easy to use! Thank you!

    CahillandDelene Avatar CahillandDelene
    July 12, 2024

    Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well

    Rich Bonifazio Avatar Rich Bonifazio
    July 12, 2024
  • I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More

    Angela Fischetti Avatar Angela Fischetti
    July 12, 2024

    Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!

    Jamilyn Boze Avatar Jamilyn Boze
    July 5, 2024

    Always done very well for us. Highly recommended.

    Kenny Casanova Avatar Kenny Casanova
    July 5, 2024
  • Nothing but positive things to say. Great company, have used them for years.

    Brandon Kennedy Avatar Brandon Kennedy
    July 5, 2024

    I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More

    susanf Avatar susanf
    July 5, 2024

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

    Michael “Michael” Jobe Avatar Michael “Michael”
    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
  • 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

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

    Ellen Brodsky Avatar Ellen Brodsky
    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

    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
  • Very easy process to get peace of mind

    Kristen Talusan Avatar Kristen Talusan
    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

    Super friendly service..

    Kristina Strong Avatar Kristina Strong
    March 25, 2024
  • Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

    Fernando Ferreira Avatar Fernando Ferreira
    October 12, 2024
  • Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

    Jacob Smith Jr Avatar Jacob Smith
    October 7, 2024
  • Rey was amazing. So easy! So fast!

    Herman Koch Avatar Herman Koch
    September 30, 2024
  • Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.

    Mark Paquin Avatar Mark Paquin
    September 14, 2024
  • She is positive and friendly !

    Alan Dynin Avatar Alan Dynin
    September 14, 2024
  • Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂

    Alana Wyld Avatar Alana Wyld
    September 14, 2024
  • Affordable plan and very easy to access when I need it

    Angela Lobianco Avatar Angela Lobianco
    July 13, 2024
  • Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well

    Rich Bonifazio Avatar Rich Bonifazio
    July 12, 2024
  • Always easy to use! Thank you!

    CahillandDelene Avatar CahillandDelene
    July 12, 2024
  • I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More

    Angela Fischetti Avatar Angela Fischetti
    July 12, 2024

Questions You've Asked Us About Cleaning Business Insurance

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Our team is always ready to help answer your questions. Smile included.

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

Monday to Friday, 8 am – 8 pm EST

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Sweep Away Stress With Our Cleaning Business 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