Medical Insurance for Cleaning Businesses
Protect your business with affordable insurance for medical facility cleaning services without stressing about coverage gaps. This add-on extends your general liability policy to cover highly specialized cleaning jobs for qualified medical facilities.
What Is Medical Cleaners Insurance?
Medical cleaners insurance is optional coverage that extends your cleaning business insurance to cover many medical facility cleaning jobs typically excluded from the base policy.
Coverage Applies To
Daytime-only medical offices that are closed for at least eight consecutive hours each day
What's Covered
Basic cleaning tasks:
- Sweeping
- Mopping
- Dusting
- Waxing floors
- Disinfecting surfaces
Note: To qualify, you must follow Occupational Safety and Health Administration (OSHA) and Centers for Disease Control and Prevention (CDC) cleaning guidelines, train staff on safe chemical use, and prevent cross-contamination.
Why Do Medical Office Cleaners Need Insurance?
From working around high-value equipment to stringent safety standards, cleaning medical facilities comes with some unique risks. Without the right coverage, one accident could lead to costly cleaning claims, lost contracts, or damage to your reputation.
While your general liability insurance covers common claims that come with standard cleaning jobs, the increased risk of working in medical facilities requires this extra protection.
Cleaning Professions We Cover
Common Medical Facility Cleaning Business Risks
Medical facility cleaning insurance covers the most common liability risks you face while on the job, including third-party injuries and property damage. Here are some real-world scenarios of the claims you could experience:
Slip-and-fall
after floor waxing
A cleaner finishes waxing the lobby floor of a medical office before it opens. Despite posting a “Wet Floor” sign, a patient slips, injuring their wrist. They file a claim for medical expenses and lost wages.
Improper chemical use causes property damage
A janitor accidentally mixes incompatible cleaning chemicals while disinfecting exam rooms, releasing fumes that damage sensitive medical equipment. The medical office sues them for the cost of repairing and replacing the damaged equipment.
Cross-contamination leads to illness
A cleaner fails to change gloves and cleaning cloths between patient rooms. As a result, germs spread from one room to another, leading to multiple patients contracting infections. The medical practice files a claim alleging negligence, and several patients also pursue liability claims for their illnesses.
How Much Does Medical Facility Cleaning Insurance Cost?
Medical office cleaning insurance starts at just $33.33 per month. Your exact price will depend on factors like your location, business size, and coverage limits.
How to Get Medical Facility Cleaning Insurance
You can add the Medical Cleaning Insurance endorsement when you purchase your policy by selecting the option in the online application, or when you renew your coverage at the end of your coverage period.
“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
FAQs About Cleaning Insurance for Medical Facilities
What Insurance Do Cleaning Businesses Need for Medical Offices?
Cleaning businesses that work in medical offices need general liability insurance with a medical cleaners endorsement. Standard cleaning business insurance policies often exclude medical facility work, so this endorsement removes that exclusion for qualifying offices.
Is Insurance for Medical Office Cleaning Different From Other Types of Cleaning Businesses?
Yes, insurance for medical office cleaning is different from other cleaning business insurance.
Most cleaning policies do not automatically cover medical facilities, so you need a specific endorsement to work in qualifying medical offices. This ensures you’re covered for approved cleaning tasks while meeting safety and compliance rules.
Do I Need Insurance if I Only Clean Medical Offices and Not Hospitals?
Yes, you still need insurance even if you only clean medical offices and not hospitals.
Without the proper endorsement, your policy may exclude medical cleaning jobs entirely. The medical cleaners endorsement provides coverage for eligible offices that meet specific operating hours and safety standards.
Is Medical Office Cleaning Insurance More Expensive Than Regular Cleaning Business Insurance?
Medical office cleaning insurance can be slightly more expensive than regular cleaning business insurance. This is because the work involves a higher risk and requires specialized coverage. The exact cost depends on your business size, services, and the number of medical facilities you clean
Do I Need Insurance if I Subcontract Cleaning Work for Medical Offices?
Yes, you need insurance even if you subcontract cleaning work for medical offices. Many contracts require a Certificate of Insurance (COI) before you can work, and having the right endorsement helps protect you from claims related to your subcontracted jobs.