Cleaning Business Insurance and Bonding in New Jersey
- Protect your business from costly liability claims
- Lock in affordable, year-round protection
- Show clients you’re covered with an instant Certificate of Insurance (COI)
or save up to 12% with annual payments
Top New Jersey Cleaning Businesses We Cover
Program Benefits
- Built for New Jersey cleaning pros — from Newark to Cherry Hill
- Get insured in minutes
- Save more with an annual policy
- Flexible monthly payment option
- Access all your policy documents 24/7
- $0 deductible for general liability claims
- Backed by a top-rated carrier
- Customized coverage for residential, commercial, or both
- Dedicated customer support team
- Easy, efficient claims process to keep you going
- Bundle general liability, tools coverage, bonds, and workers comp in one place
New Jersey Cleaning Insurance Coverages
One injury or damaged surface can put your business at risk. Below are the key types of insurance New Jersey cleaning businesses often need, what each policy covers, and how much you can expect to pay.
General Liability Insurance
General liability insurance protects your business if you’re held responsible for third-party injuries or property damage. This covers repairs, medical treatment, or legal fees, so a simple mistake doesn’t drain your savings or shut down your business.
In New Jersey, most cleaners pay $1,068 per year, depending on their location, job types, and risk exposure.
Our starting price: $870 / year
Tools and Equipment Insurance
Your cleaning equipment isn’t cheap and is always on the move. Whether it’s damaged in your van or stolen from a job site, tools and equipment insurance helps you replace essential gear fast, so you don’t have to cancel jobs or eat the cost.
If you rely on carpet machines, vacuums, or steamers to get work done, this coverage protects the tools that keep you in business.
Our starting price: $40 / year
Janitorial Bonds
Clients trust you in their homes and businesses, but one stolen item could jeopardize that trust. A janitorial bond protects your business if an employee is accused of theft while on the job.
If a client files a valid claim, the bond provider pays them, and you repay the bond company later.
| Bond Option | Annual Cost (starts at) |
|---|---|
|
$5,000 Bond |
$131 |
|
$10,000 Bond |
$175 |
Additional Insureds
If a property manager or landlord asks to be listed on your insurance before giving you the job, you’ll need to include them as an additional insured. This extends your coverage to your business partners.
If someone sues you and the property owner after an accident, your policy can help cover legal fees for both of you. At Insurance Canopy, this costs $10 per year per entity.
Workers Compensation
In New Jersey, you’re required to carry workers compensation insurance as soon as you hire one or more employees. It helps pay for medical bills and lost wages if someone gets hurt while working, and helps protect your business from lawsuits related to workplace injuries.
Our average price: $1,141.86 / year
Cyber Liability Insurance
If your cleaning business uses booking software or stores client contact and payment info, you’re at risk of cybercrimes. Cyber liability insurance helps if customer data is hacked, leaked, or stolen.
It covers the cost of customer notifications, system recovery, regulatory fines, legal fees, and credit monitoring for affected clients.
Our price: $99 / year
New Jersey Business Insurance Requirements
New Jersey law requires you to carry workers comp if you have even one employee. This coverage protects your business from the high costs of work-related injuries, including medical bills and lost wages.
The state also doesn’t legally require general liability insurance. However, a slip-and-fall on a wet floor, a scuffed surface in a high-end condo, or a customer complaint can become a serious financial issue. That’s why most landlords, property managers, and commercial clients won’t even consider hiring you without proof of coverage.
Do I Need Bonding for My New Jersey Cleaning Company?
Yes, especially if you want to grow your cleaning business and land larger commercial contracts in New Jersey. While New Jersey doesn’t legally require janitorial bonds, many property managers, facility directors, and commercial clients expect you to get bonded.
Here’s how a bond protects you:
Situation
One of your team members is accused of stealing a smartwatch while cleaning an office.
The client files a claim against your bond.
How the Bond Works
The bond company investigates and pays the client for the value of the stolen item.
Outcome
You repay the bond company — your client is covered, and your reputation stays intact.
A small investment in bonding can help you stand out and secure more profitable, long-term contracts across New Jersey.
How to Apply for Cleaning Business Insurance in New Jersey
Getting insured with Insurance Canopy is simple.
Start by figuring out what kind of coverage your cleaning business needs. Then, check New Jersey’s requirements — if you have employees, workers comp is mandatory. Gather your business info, including your license, service details, and a list of any equipment you use.
From there, just fill out our short online form (it takes less than 10 minutes). You’ll get a personalized quote based on your business details. Once you’re ready, purchase your policy and get instant access to your COI.
Need help along the way? Our licensed, non-commissioned agents are here to guide you without the sales pressure.
New Jersey Cleaning Business Resources
Cleaning Industry Fast Facts
- New Jersey has the highest concentration of cleaning businesses in the U.S., with a score of 52.84
- The janitorial services industry in New Jersey is projected to grow by $3.4 billion through 2025
- New Jersey ranks #2 for employment of building cleaning workers, with 1,210 employed statewide.
Sources: Cleaning Industry Statistics, State Industry Research Reports, US Bureau of Labor Statistics
New Jersey Cleaning License Guidelines
To start a cleaning business in New Jersey, you’ll need to register your business with the Department of the Treasury if you’re forming a limited liability company (LLC), partnership, or corporation. Sole proprietors aren’t required to register, but filing a doing business as (DBA) with your county clerk is recommended.
An Employer Identification Number (EIN) from the Internal Revenue Service (IRS) is also necessary if you have employees or want to separate business and personal finances. If you offer commercial cleaning, you may need a sales tax certificate from the Division of Taxation.
Tip: Always check local regulations to ensure you complete all of the steps required for your business.
Get Instantly Insured Online with Insurance Canopy!
In New Jersey, cleaning jobs move fast and clients don’t wait. If you’re not insured with a COI in hand, someone else will get the job. With Insurance Canopy, you can apply online in minutes, get instant proof of coverage, and be ready for whatever comes your way.
Get reliable protection built for the Garden State. We cover general liability, bonding, and more, all designed for New Jersey cleaning businesses.
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
