Cleaning Business Insurance
Sweep away risks with affordable insurance for cleaning mishaps, damage, and lost gear—let your business shine!
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
4.8/5 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
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
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.
Here's what some of our 14,700+ customers have to say about their experience.
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 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, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I 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 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative 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, 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 -
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, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
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 -
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, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
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, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
Questions You've Asked Us About Cleaning Business Insurance
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.
Even one claim can quickly become financially devastating for self-employed individuals and small businesses.
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.
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
Georgia Cleaning Insurance
Illinois Cleaning Insurance
New Jersey Cleaning Insurance
Virginia Cleaning Insurance
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