Cleaning Business Insurance and Bonding in Florida
- Get Insured Fast and Work Worry-Free in Florida
- Stay Protected Through Rain, Heat, and Hurricanes
- Win More Cleaning Contracts With an Instant Certificate of Insurance (COI)
or save up to 12% with annual payments
Top Florida Cleaning Businesses We Cover
Program Benefits
- Built for Florida cleaners — from Miami to Jacksonville
- Dependable coverage from a top-rated insurance carrier
- Instant COI so you can book cleaning jobs fast
- Hassle-free online signup for busy cleaning pros
- Flexible payment options that fit your budget
- Access your policy online 24/7
- Liability claims covered with a $0 deductible
- Customizable options to match your services
- Dedicated support team that gets your industry
- Simple claims process to help you stay on track
- Bundle all-in-one protection: general liability, tools, bonds, and workers comp
Florida Cleaning Insurance Coverages (+ Their Costs)
Professionals trust us with their cleaning business insurance in Florida. That’s why our coverage is fast, affordable, and tailored to the risks you face on the job. Here’s a breakdown of the most popular cleaning insurance policies and their costs:
General Liability Insurance
Cleaning involves working in other people’s spaces. All it takes is one slip or scratch to land in legal trouble. General liability insurance covers client injuries, property damage, and legal fees, so one accident doesn’t shut you down.
On average, cleaning business owners in Florida pay about $768 a year for general liability coverage. Still, that number can change depending on things like the size of your business, where you’re located, and how much coverage you need.
Our starting price: $571 / year
Tools and Equipment Insurance
If your cleaning gear gets stolen from your van or damaged during a job, tools and equipment insurance helps you replace it fast — no waiting weeks for reimbursement. Coverage includes vacuums, polishers, scrubbers, and pressure washers, whether they’re on-site, in storage, or in transit.
Our starting price: $40 / year
Workers Compensation
Florida law requires workers compensation if you have four or more employees, even if they’re part-time or subcontractors. This covers medical expenses and lost wages if your staff gets injured on the job.
For example, if an employee gets sick from chemical fumes while cleaning a commercial property and needs medical treatment and time off, workers comp helps pay for their care and covers their missed income. Without it, you could be stuck paying out of pocket and facing legal penalties for not having coverage.
Our starting price: $1,141.86 / year
Commercial Auto Insurance
Personal auto insurance won’t cover you if you use a car for your cleaning business. Commercial auto insurance protects your business vehicles in case of accidents, theft, or damage while on the job.
It covers property damage, bodily injury liability, collision repairs, and even uninsured motorists. Whether you’re driving a single van or managing a fleet, this coverage keeps you on the road and in business.
Our starting price: Rates vary
Janitorial Bonds
A janitorial bond protects your clients if one of your employees steals from them while on the job. If a theft occurs and is proven, the bond pays the client for their loss, but you’ll be responsible for reimbursing the bond company. It’s a way to build trust while holding your business accountable.
While not legally required for most cleaning businesses, a janitorial bond can set you apart, especially when bidding for jobs with government agencies or clients who only hire bonded companies. It’s a simple way to show you’re professional, accountable, and serious about your reputation.
| Bond Option | Annual Cost (Starts At) |
|---|---|
|
$5,000 Bond |
$131 |
|
$10,000 Bond |
$175 |
Additional Insureds
Adding additional insureds protects the businesses you partner with to provide cleaning services, like a property management company.
For example, imagine a property management firm hires you to clean rental homes between visitors. A maintenance worker trips over your mop bucket and breaks their ankle. If the worker sues both you and the property manager after getting injured, your policy coverage can extend to the property manager if you have them listed as an additional insured on your policy.
Add additional insureds to your policy for just $10 per year, per entity. It’s an affordable way to boost your credibility and increase your chances of winning more cleaning contracts.
Cyber Liability Insurance
Cyber attacks can still affect small companies, especially those that take payments or manage schedules online. Cyber liability insurance helps cover the cost of data breaches, legal action, and customer notifications.
For example, if a hacker gains access to customer contact and payment details, you may be legally required to notify those affected and offer credit monitoring. Cyber liability insurance helps cover those costs, legal fees, and potential fines, so one hack doesn’t wipe out your business.
Our price: $99 / year
Factors Affecting Your Insurance Costs
Your cleaning business insurance costs depend on several factors:
- Business size: More employees or equipment means higher premiums
- Coverage types: Adding extra policies like workers comp or commercial auto increases your premium
- Location: Operating in hurricane-prone or flood zones in Florida raises insurance rates
- Claims history: If you’ve filed claims, expect higher rates
- Industry risk: The type of cleaning services you offer impacts rates (e.g., residential vs. commercial)
Tip: Unsure which insurance provider is right for your cleaning business? Compare your options to find the best coverage and pricing that suits your needs.
Florida Business Insurance Requirements
Running a cleaning business in Florida means more than just showing up and doing the job — it also means staying compliant with state rules and industry expectations.
If you have four or more workers, Florida law requires workers comp. It doesn’t matter if your team is part-time or subcontracted — they need to be covered if they’re doing work for you.
The state doesn’t technically require general liability insurance, but you’ll have a hard time landing big contracts without it. Most commercial clients, landlords, and property managers will ask for a Certificate of Insurance (COI) before hiring you. Without it, you could lose out on booking clients, especially in competitive areas like Miami, Tampa, and Orlando.
How to Apply for Cleaning Business Insurance in Florida
Applying for cleaning business insurance with Insurance Canopy is quick and easy:
- Choose the coverage your business needs
- Check Florida’s legal requirements (if you have 4+ employees, don’t forget about workers comp)
- Complete our online form with details about your business
- Get a quote tailored to your cleaning business
- Finalize your policy and get coverage immediately to protect your business
Need help? Talk to our licensed, non-commissioned agents for advice tailored to your Florida cleaning business.
Florida Cleaning Business Resources
Florida is a thriving market for cleaning businesses. Ensure your company stays competitive with these helpful resources. From insurance requirements to industry trends, we have what you need to stay informed and ready to grow.
Cleaning Industry Fast Facts
- Florida’s janitorial services market is valued at $5.6 billion, making it one of the largest in the country
- The state is home to over 106,000 janitorial businesses
- Carpet cleaning in Florida has a market size of $576.3 million with more than 3,400 active businesses
- A small cleaning business in Florida with 2-3 employees can typically bring in $50,000 to $60,000 per year, depending on the service area and pricing
Florida Cleaning License Guidelines
Florida does not require a state-level license specifically for general cleaning services. However, local cities and counties may have their own rules, so it’s crucial to check before starting work. Here’s what Florida cleaning business owners should take care of:
- Register your business with the Florida Division of Corporations if you’re forming a Limited Liability Company (LLC), corporation, or partnership
- File a Doing Business As (DBA) if using a business name different from your legal name
- Get an EIN from the Internal Revenue Service (IRS) (required if you have employees or operate as a partnership or corporation)
- Obtain a sales tax permit if working with commercial clients
- Secure workers compensation insurance if you have four or more employees, as required by Florida law
Tip: Florida’s licensing laws can vary by county. Check with your local city hall or licensing office to avoid fines or delays in launching your cleaning business.
Get Instantly Insured Online With Insurance Canopy!
Ready to get cleaning business insurance in Florida? No mess, no stress — just unbeatable rates and complete protection. Get insured with Insurance Canopy today and keep your business sparkling clean!
Allison Kirschbaum | Copywriter
Digital Content Specialist, Allison Kirschbaum leverages her experience in providing in-depth content such as blogs, whitepapers, and downloadables about insurance, liability, and the challenges small businesses face every day. Before working at Veracity, Allison freelanced her copywriting skills, including optimizing rankings and generating leads across various sectors. She is now fully trained on Insurance Canopy’s products and helps small business owners navigate their insurance needs.
Digital Content Specialist, Allison Kirschbaum leverages her experience in providing in-depth content such as blogs, whitepapers, and downloadables about insurance, liability, and the challenges small businesses face every day. Before working at Veracity, Allison freelanced her copywriting skills, including optimizing rankings and generating leads across various sectors. She is now fully trained on Insurance Canopy’s products and helps small business owners navigate their insurance needs.
Kyle Jude | Program Manager
Kyle Jude is the Program Manager for Insurance Canopy. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
Kyle Jude is the Program Manager for Insurance Canopy. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
