Cleaning Business Insurance and Bonding in Georgia
- Protect Your Cleaning Business From Liability Claims
- Keep Costs Low With Year-Round Affordable Rates
- Get on the Job Today With Instant Certificate of Insurance (COI) Access
or save up to 12% with annual payments
Top Georgia Cleaning Businesses We Cover
Program Benefits
- Built for Georgia cleaning pros — from Atlanta to Savannah
- Same-day proof of insurance
- Quick online purchase with no quote hassle
- Pay monthly or annually with built-in savings
- Access your policy documents anytime
- $0 deductible for general liability claims
- Trusted by cleaners, powered by a top-rated carrier
- Customized coverage for residential or commercial jobs
- U.S.-based, non-commissioned support team
- Fast, simple claims process to keep you working
- Bundle general liability, tools coverage, bonds, and workers compensation
Georgia Cleaning Insurance Coverages
You need coverage that works as hard as you do. One accident can disrupt your business, whether it’s a client injury, stolen gear, or a lawsuit. Here’s a breakdown of the must-have policies for Georgia cleaners, what they cover, and how much they typically cost.
General Liability Insurance
General liability insurance covers third-party injuries, property damage, and legal costs — all things that can happen on any job, no matter how careful your crew is.
Here’s how it works in real life:
- A third party trips over your vacuum cord and ends up with a hospital bill
- Your team accidentally knocks over a client’s expensive sculpture during a deep clean
- A customer claims your cleaning chemicals damaged their hardwood floors
This policy is designed to cover the cost of medical treatment, repairs, settlements, or legal defense, so you’re not paying out of pocket or putting your business at risk.
In Georgia, cleaning business owners typically pay $732 annually, depending on their location, services, and client type.
Our starting price: $570 / year
Tools and Equipment Insurance
Your gear works hard. If your vacuums, carpet cleaners, polishers, or even handheld tools are stolen from your van or damaged at a job site, tools and equipment coverage helps pay for repair or replacement.
Our starting price: $40 / year
Janitorial Bonds
A janitorial bond protects your business if an employee steals from a client. The bond company pays the client, and you reimburse the amount. It’s not just protection — it builds trust with clients, especially commercial accounts.
| Bond Option | Annual Cost (starts at) |
|---|---|
|
$5,000 Bond |
$131 |
|
$10,000 Bond |
$175 |
Additional Insureds
When a client (like a property manager, landlord, or facility owner) asks to be listed on your insurance policy, that’s called an additional insured. It protects them under your policy for that job without reducing your coverage.
If a third party slips during a cleaning job and sues both you and the property manager, your general liability policy may cover legal fees for both parties.
Most clients won’t greenlight the job until this is added. You can add them for $10 per year, per entity.
Workers Compensation
In Georgia, you must carry workers compensation if you have three or more employees (including regular part-time workers). Still, many cleaning business owners carry it with fewer, especially when dealing with physical labor and risky environments.
It covers lost wages, medical treatment, and rehab costs if someone gets hurt on the job.
Our average price: $1,141.86 / year
Cyber Liability Insurance
If you collect customer info through a booking system or store payment data, you’re a target. Cyber liability insurance protects you if sensitive information is hacked, leaked, or stolen.
It helps cover legal fees, customer notifications, system restoration, credit monitoring, and fines if things go sideways.
Our price: $99 / year
Georgia Business Insurance Requirements
In Georgia, workers comp is legally required for cleaning businesses with three or more employees, including part-time, seasonal, or temporary staff. This coverage helps your business avoid significant financial strain if an employee gets injured.
General liability insurance, on the other hand, isn’t legally required. However, you’ll need it if you want to land jobs with property managers, landlords, or commercial clients. These clients want to know you’re covered in case of accidents, and you’ll need a Certificate of Insurance (COI) to prove you’re covered.
Do I Need Bonding for My Georgia Cleaning Company?
Yes, if you’re serious about scaling your cleaning business, especially when eyeing larger contracts or commercial clients. A bond is a form of financial security that ensures your clients are compensated if an employee steals.
While it’s not required by Georgia law, getting bonded can make a huge difference when working with bigger clients, especially commercial businesses or property managers who expect that extra layer of protection.
Here’s how a bond protects you:
Situation
While cleaning a client’s home, one of your employees steals a piece of expensive jewelry
How the Bond Works
The client files a claim against your bond. The bond company reimburses them for the stolen item
Outcome
You repay the bond company, your client is compensated, and your reputation remains intact
How to Apply for Cleaning Business Insurance in Georgia
Getting insurance for your cleaning business with Insurance Canopy is simple:
- Verify Georgia’s legal insurance requirements (especially for workers comp if you have employees).
- Gather your business details.
- Complete our online form in under 10 minutes
- Receive a customized quote based on your info
- Pay and finalize your policy.
Insurance Canopy makes it quick and easy to get insured. Need help? Talk with one of our non-commissioned agents for guidance.
Georgia Cleaning Business Resources
Want to learn more about launching your cleaning business in Georgia? Dive into key stats about the cleaning industry, state-specific licensing guidelines, and more.
Cleaning Industry Fast Facts in Georgia
- Household cleaners in Georgia are expected to generate $19.20 million in revenue in 2025
- Georgia has a growing demand for eco-friendly household cleaners, driven by increasing environmental sustainability awareness
- The total market value for carpet cleaning in Georgia over the past five years has reached $247.1 million
- Georgia ranks among the top five states for the highest employment level of first-line supervisors of housekeeping and janitorial workers, with 5,820 jobs
Sources: Statista (Household Cleaners – Georgia), State Industry Research Reports, US Bureau of Labor Statistics
Georgia Cleaning License Guidelines
If you’re forming a limited liability company (LLC), partnership, or corporation, you must register with the Georgia Secretary of State. Sole proprietors don’t need to register with the state, but if you’re using a business name that isn’t your legal name, you need to file a DBA (doing business as) with the clerk of the superior court in your county.
Apply for an Employer Identification Number (EIN) through the Internal Revenue Service (IRS) website. It’s free and required if you plan to hire employees, apply for loans, or open a business bank account.
Then, apply for a business license from your local city or county office. Georgia doesn’t have a state-issued cleaning license, but some counties and cities may require one depending on your location and services. Residential cleaners usually face fewer regulations, while commercial cleaners may need extra permits.
Get Instantly Insured Online with Insurance Canopy!
In Georgia, clients expect you to show up ready. That means licensed, bonded, and insured. If a client asks for a COI today, can you deliver it?
At Insurance Canopy, we make getting insured easy, so you don’t have to turn down work or scramble at the last minute. Complete your application online in minutes, receive instant proof of coverage, and hit the job site with confidence.
We offer general liability insurance, bonding, and more—all tailored for Georgia cleaning professionals. No phone tag, no upsells, and no commissions — just solid protection from a provider that understands your industry.
More Helpful Links
- How to Get Your Cleaning Business Bonded and Insured
- Cleaning Insurance for Self-Employed Cleaners
- Starting a Cleaning Business in 2025
- What Licenses Are Needed to Start a Cleaning Business?
- What Happens When a Client Sues? Protecting Your Cleaning Business
- Insurance FAQs for Cleaning Professionals: Everything You Need to Know
